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1、...西安建筑科技大学工商管理硕士论文StudyoncreditservicemodeofsmallandmicroenterprisesbasedonpracticeofBankofLuoyangSpecialty:BusinessAdministrationName:LiChaoInstructor:ProfessorGuoBinABSTRACTDuringthe"TwelfthFiveYearPlan"period,withthedevelopmentofnationaleconomyintoalowgrowth,thepaceofstructuraltransfor
2、mationaccelerates.AsthemostactiveeconomicChinagroup,aswellasthemostvulnerablegroup,smallandmicroenterprisesarefacingsmallscaleofoperation,lowrisktolerance，lackofcollateral,narrowfinancingchannel.Ithasfar-reachingstrategicsignificancetosupportthesoundandrapiddevelopmentofsmallandmicroenterp
3、rises,forovercomingthefinancialcrisisandtherealestatecontrol,andformaintainingsoundandrapideconomicdevelopmentandthepromotionofeconomicstructuretransformation.FromtheChinaBankingRegulatoryCommissionproposingtosupportthe"sixmechanisms"in2008,tothecentraleconomicworkconferencelaunchingthe"co
4、untryofnine"tosupportsmallandmicroenterprises,thenationalsupportforsmallandmicroenterprisesinpolicyeffortsstrengthens.Ithasbecomethethekeyservicesintheareasforsmallandmediumsizedcommercialbankstosolvetheproblemwithhardsecurityandfinancingdifficulty.Atthesametime,thispieceof“blueocean”—smal
5、landmicroenterprises，areattractingmoreandmorecommercialbankstoexploreandadvance.Adheretothemarketpositioningtoservicesmallandmicroenterprises,tryinghardtodospecialty，particularity，andfine,forminguniquecompetitiveadvantage,havebecometheimportantopportunityfortransformationandarealbrightspot
6、forcitycommercialbanks.Basedontheliteratureresearch,thispaperfirstlyanalyzesthesmallmicrocreditservicesfromthetheorylevel,includingtheconcept,basictheoryanalysisforcredittechnology,thecreditservicemodeofthesmallandmicroenterprisesinmain......万方数据......西安建筑科技大学工商管理硕士论文countriesoftheworldand
7、indomesticbanks;secondlyanalysesthecurrentsituationofcreditservicesforsmallandmicroenterprisesinLuoyangCity,includingthegeneralsituationforsmallandmicroenterprises,thedemandsituationforcreditservicesandproblemswithsmallandmicroenterprisescreditservicesinLuoyan
