商业银行中小企业贷款研究毕业论文.doc

毕业论文 （2010届） 商业银行中小企业贷款研究 摘 要 改革开放以来,浙江省中小企业迅猛发展,已成为浙江经济重要组成部分,但由于广大中小企业贷款困难,普遍面临较大的资金压力,再加上原材料价格上升、人民币升值加快、劳动力成本上升等综合因素影响,作为中小企业大省的浙江省经济经受着前所未有的考验。在这众多的困难中,中小企业资金紧张、融资途径狭窄是最主要的困难之一,融资难已成为制约浙江省中小企业发展的最大障碍。 本文 关键词：Abstract Since the reform and opening up, the rapid development of small and medium-sized enterprises in Zhejiang province, has become an important part of Zhejiang economy, but due to small and medium-sized enterprises loan difficulties, universal facing larger financial pressure, plus the prices of raw materials, RMB appreciation faster, higher labor costs etc. Comprehensive factors, as small and medium-sized enterprises of Zhejiang province economic experiencing unprecedented trial. In this great difficulties smes financing channels of funds, narrow is the main one difficulty, difficulty in financing have restricted the development of small and medium-sized enterprises in Zhejiang province the biggest obstacle. As with economic levers regulatory role of financial institutions, especially a commercial bank should undertake the responsibility for solving the small and medium-sized enterprises loan difficult problem to make due contributions, also be an objective need to commercial bank itself improvement and development. Based on the investigation of bank of China yiwu branch of smes financing problems are analyzed ，Analyzes the reasons for commercial banks reluctance to lend, and describes a series of positive measures and harvest the results that Zhejiang Province have been taken to alleviate this problem, and further to find out the reasons for financing small and medium enterprises, and attempts to propose series of targeted measures. to solve this problem. Keywords: Small and medium-sized enterprises; Commercial Banks; loans目 录 1浙江商业银行中小企业资金供给状况分析 4 1.1 浙江中小企业融资需求 4 1.1.1中小企业资金缺口日益加大 5 1.1.2中小企业融资成本上升，承受资金高成本压力 5 1.1.3商业银行贷款结构失衡，中小企业长期贷款紧缺问题突出 6 1.1.4金融机构传统贷款机制加大了中小企业的融资难度 6 1.2浙江商业银行中小企业贷款供给状况 6 1.2.1浙江商业银行目前中小企业贷款供给总量及比例 6 1.2.2浙江商业银行中小企业贷