商业银行中小企业金融服务业务发展策略

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1、同济大学经济与管理学院博士学位论文商业银行中小企业金融服务业务发展策略姓名：康蕾申请学位级别：博士专业：技术经济及管理指导教师：陈伟忠20080101AbstractABSTRACTSmallandmedium-sizedenterprisesinourcountryplayimportantrolesmdomesticeconomy．However,theirdifficultiesincapitalcirculationasacosmopolitanproblemhavenotbeenovercomeandthereforearousedwidespreadconce

2、mofallscholarsintheworld．Forcommercialbanks，implementationoforganicbalanceofcosts，risksandreturnsoffinancialserviceforsmallandmedium．sizedenterpriseswillpromotethesustainableandstabledevelopmentofmeirbusiness．Inviewoftheimportanceandurgencyofcapitalcirculationofsmallandmedium．sizedenterpr

3、ises，thedissertation，proceedingfrommanagementandoperationofcommercialbanks，hasdeeplydiscussedmethodsindevelopingflnaIlcialserviceforsmallandmedium—sizedenterprises，especiallyinestablishingrelevantintemalmechanismsforcommercialbanks．Startingfromcreditrationingtheoriesfirstlyandbasedongener

4、alanalysisandevaluationofthesetheoriesofdomesticandforeignscholars，thedissertationhasestablishedanalysisandevaluationsystemsofcreditrationingandanalyzedsystematicallycreditrationingmodels，gamesofbanksandenterprises，efficiencylossandSOon．whichaimtofindoutmainreasonsofcreditrestrictionforsm

5、allandmedium．sizedenterprisesandtotakeCOrTectactionstosolvetheproblem．Thedissertationhasgivenabriefintroductionofbasiccircumstancesoffinancialserviceforsmallandmedium．sizedenterprisesdevelopedbyfamousmultinationalbanksinthemainland，analyzedtheirprimarybusinessstrategies，operationandproduc

6、tstrategies，riskmanagementproceduresandapprovalmeasures，clientdevelopmentandmarketingmodes，andusedtheseresultsasreferencesforstate．ownedcommercialbankstodevelopfinancialserviceforsmallandmedium-sizedenterprises．Therefore，onthebasisofrelevanttheories，regressionanalysisofselectedrela上eddata

7、fromsmallandmedium—sizedenterpriseshasbeenmadeinthisdissertationandaconclusionhasbeenmadethatmainfactorsinfluencingcreditrationingofsmallandmedium-sizedenterprisesareclosedegreeofbank-enterpriserelation．础financialindexrestrictionofenterprises，enterprisetrustevaluati