浦发银行提升中小企业金融服务的对策研究

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1、⌺থ䫊㸠ᦤछЁᇣӕϮ䞥㵡᳡ࡵⱘᇍㄪⷨおRESEARCHONPROMOTINGSPDBANK’SFINANCINGSERVICESFORSMESᄺ᷵˖Ϟ⍋Ѹ䗮໻ᄺᄺ䰶˖ᅝ⋄㒣⌢Ϣㅵ⧚ᄺ䰶ϧϮ˖Ꮉଚㅵ⧚˄MBA˅԰㗙˖䰜䳋ᇐᏜ˖㚵⍋叹ᄺো˖1101209148⧁㑻˖M1012094ㄨ䕽᮹ᳳ˖2012ᑈ12᳜23᮹Ϟ⍋Ѹ䗮໻ᄺᄺԡ䆎᭛ॳ߯ᗻໄᯢᴀҎ䚥䞡ໄᯢ˖᠔ਜѸⱘᄺԡ䆎᭛ˈᰃᴀҎ೼ᇐᏜⱘᣛᇐϟˈ⣀ゟ䖯㸠ⷨおᎹ԰᠔পᕫⱘ៤ᵰDŽ䰸᭛ЁᏆ㒣⊼ᯢᓩ⫼ⱘݙᆍ໪ˈᴀ䆎᭛ϡࣙ৿ӏԩ݊ҪϾҎ៪䲚ԧᏆ㒣থ㸼៪᪄ݭ䖛ⱘ԰ક៤ᵰDŽᇍᴀ᭛ⱘⷨおخߎ䞡㽕䋵⤂ⱘϾҎ੠䲚ԧˈഛᏆ೼᭛Ёҹᯢ⹂ᮍᓣᷛᯢDŽᴀҎᅠܼᛣ䆚ࠄ

2、ᴀໄᯢⱘ⊩ᕟ㒧ᵰ⬅ᴀҎᡓᢙDŽϞ⍋Ѹ䗮໻ᄺᄺԡ䆎᭛⠜ᴗՓ⫼ᥜᴗкᴀᄺԡ䆎᭛԰㗙ᅠܼњ㾷ᄺ᳝᷵݇⬭ǃՓ⫼ᄺԡ䆎᭛ⱘ㾘ᅮˈৠᛣᄺ᷵⬭ᑊ৥೑ᆊ᳝݇䚼䮼៪ᴎᵘ䗕Ѹ䆎᭛ⱘ໡ॄӊ੠⬉ᄤ⠜ˈܕ䆌䆎᭛㹿ᶹ䯙੠׳䯙DŽᴀҎᥜᴗϞ⍋Ѹ䗮໻ᄺৃҹᇚᴀᄺԡ䆎᭛ⱘܼ䚼៪䚼ߚݙᆍ㓪᭄ܹ᳝݇᥂ᑧ䖯㸠Ẕ㋶ˈৃҹ䞛⫼ᕅॄǃ㓽ॄ៪ᠿᦣㄝ໡ࠊ᠟↉ᄬ੠∛㓪ᴀᄺԡ䆎᭛DŽᴀᄺԡ䆎᭛ሲѢ˖ᆚƶˈ೼ᑈ㾷ᆚৢ䗖⫼ᴀᥜᴗкDŽϡᆚřƶDŽ˄䇋೼ҹϞᮍḚݙᠧ¯řřā˅⌺থ䫊㸠ᦤछЁᇣӕϮ䞥㵡᳡ࡵⱘᇍㄪⷨおᨬ㽕ЁᇣӕϮথሩϔⳈᰃ៥೑ᬓㄪᡊᣕⱘ䞡⚍DŽ䱣ⴔଚϮ䫊㸠Ꮦഎゲѝ੠ⲥㅵ㽕∖ⱘϡᮁᦤछˈ߽⥛Ꮦഎ࣪ⱘ᮹ⲞЈ䖥ˈҹঞ໻ൟӕϮ䞥㵡㜅ၦ⦄䈵ⱘ᮹Ⲟᰒ㨫

3、ˈ೑ݙ৘ᆊଚϮ䫊㸠г䛑ᇚЁᇣӕϮϮࡵ԰Ў៬⬹䕀ൟⱘ䞡⚍DŽ೼ᅲ䰙ⱘ㒣㧹䖛⿟Ёˈ⬅Ѣᙃϡᇍ⿄ㄝॳ಴䗴៤ЁᇣӕϮϮࡵ᪡԰៤ᴀ催ˈ亢䰽ᡞ᥻㛑࡯ᔅㄝ䯂乬ˈ৘ᆊଚϮ䫊㸠೼݇⊼䖭ϔᏖഎⱘৠᯊ,г㒣ᐌᛳࠄϮࡵᓔሩ᳝䇌໮ೄᡄDŽᴀ᭛ⷨお䇒乬ҹ԰㗙᠔կ㘠ⱘ⌺থ䫊㸠ЁᇣӕϮϮࡵЎⷨおᇍ䈵ˈ೼ᇍ↨೑ݙ໪ଚϮ䫊㸠Џ㽕ЁᇣӕϮϮࡵ㒣㧹῵ᓣⱘ෎⸔ϞˈߚᵤଚϮ䫊㸠੠ЁᇣӕϮ೼䳔∖ǃ៤ᴀ੠亢䰽ᡓফㄝᮍ䴶ⱘӋؐ㒧ড়⚍ˈᦤߎ㘮㜟៤㺬ˈবऩヨЁᇣӕϮϮࡵЎৠ㉏ǃৠ䋼ЁᇣӕϮ䲚㕸Ϯࡵⱘ㾖⚍ˈᑊ㒧ড়ܼ䖛⿟䞥㵡᳡ࡵⱘ⧚ᗉˈᇍᓔሩЁᇣӕϮ䲚㕸Ϯࡵⱘ݋ԧᅲᮑ䏃ᕘᦤߎৃ㸠ᗻᮍḜᓎ䆂DŽ԰㗙࡯∖䗮䖛ℸ䇒乬ⱘⷨおˈᇍ⌺থ䫊㸠೼ЁᇣӕϮϮࡵ㒣

4、㧹乚ඳⱘ䖯ϔℹথሩᦤկϔ⾡ᮄⱘᮍᓣ׳䡈DŽ݇䬂䆡˖ЁᇣӕϮˈ䲚㕸Ϯࡵˈܼ䖛⿟䞥㵡᳡ࡵˈ⌺থ䫊㸠RESEARCHONPROMOTINGSPDBANK’SFINANCINGSERVICESFORSMESABSTRACTChinahasalwaysbeenofferingpreferentialpoliciestosupportthedevelopmentofSmallandMedium-sizedEnterprise.Withtheintensifyingcompetitionamongcommercialbanksandtheever-tighteningsupervisionfrom

5、thewatchdog,domesticbankshavelistedtheirbusinesseswithSMEsasakeypointduringtheirstrategictransformation,alsoconsideringtheapproachingofinterestratemarketizationandever-growingphenomenonoflargeenterprises’financialdisintermediation.However,intherealbusinesspracticewithSMEs,forreasonssuchashigho

6、perationalcost,therelativelyweakanti-riskcapabilityandinformationasymmetry,manybanksstillfeelvarioustroublesandobstaclesinspiteoftheirkeeninterestinthemarket.TheobjectofthisresearchistheSMEbusinessesofSPDBank,wheretheauthorisemployed.Onthebasisofsufficientcomparisonbetweendifferentcommercialba

7、nkshomeandabroad,theresearchmakesanin-depthanalysisofthecombinationpointsbetweencommercialbanksandSMEsinthefieldsuchastheirdemands,cost,andrisktoleranceandputforwardthepointof“combiningthesimilar”,thatistogroupsimilarsingleSMEsbusinesse