本文采用案例分析的研究方法，把理论研究和实践研究相结合，以民生银行 A
市支行作为研究对象，指出民生银行 A 市支行的信贷现状以及存在的问题，确保逻
辑分析和事实分析相统一。首先，在当前的时代背景，结合相关的理论，对国内中小
企业融资的现状进行分析，主要从企业对资金的需求、所采取的融资方式、以及在融
资过程中遇到的困难等方面入手，重点叙述了企业、金融机构和政府融资过程中存在
的问题；其次，对民生银行 A 市支行的现状，融资过程中遇到的问题以及产生这些
问题的原因进一步探究。再次，对国内外银行解决中小企业融资问题的相关案例进行
分析，指出可以借鉴的地方。最后，针对国内中小企业融资困难的问题，提出相应的
解决对策，从企业自身、金融机构、政府等角度进行叙述，为解决中小企业融资困难
贡献绵薄之力
关键词：中小企业；民生银行 A 市支行；信贷；
作 者：侯 霜
指导老师：贝政新II
Research on The finncing of small and medium sized
enterprises in China--A case study of minsheng bank
Abstract
Since the reform and opening up, the rapid development of China&39;s market economy,
the development of small and medium-sized enterprises is speeding up, the emergence of a
large number of small and medium-sized enterprises, not only to promote the development
of China&39;s economy, employment, science and technology still has played an indelible role,
but at present our country small and medium-sized enterprise still exist many problems,
lack of own funds. The credit level is not high, the guarantee ability is insufficient, in the
development faces many uncertain factors. At the same time, China&39;s banking industry also
existing a lot of problems, in this context, how banks can meet the needs of the
development of small and medium-sized enterprises in the capital, but also can control the
credit risk of the banks, guarantee the rate of return, this is the point of this paper.
This paper adopts the research methods of case analysis, from the theoretical study
and practical research combined with Minsheng Bank as the research object, points out that
the credit situation of Taicang branch of Minsheng Bank and the existing problems, to
ensure the unity of logical analysis and factual analysis. First of all, in the current era,
combined with the related theory, the status quo of China&39;s SME financing are analyzed,
mainly from the enterprise demand for funds, the financing, and encountered in the process
of financing difficulties and other aspects, focuses on the existence of financial institutions
and the government in the process of financing enterprises, the secondly, the status of the
problem; Taicang branch of Minsheng Bank, encountered in the process of financing
problems and the reasons of these problems and further research. Thirdly, this paper
analyzes the domestic and foreign banks to solve the financing problems of small and
medium-sized enterprises, and points out the places that can be used for reference. Finally,III
in view of the financing difficulties of small and medium-sized enterprises in China, and
put forward the corresponding countermeasures, described from the enterprises, financial
institutions, government and other point of view, to solve the financing difficulties of small
and medium-sized enterprises contribute.
Key words: Small And Medium-Sized Enterprises; Minsheng Bank Taicang Branch;
Credit;
Written by：Hou Shuang
Supervised by: Bei Zhengxin
目 录
第 1 章 绪 论 .........1
1.1 研究背景......1
1.2 研究的意义和目的..2
1.2.1 研究意义........2
1.2.2 研究目的........2
1.3 研究的方法、内容..2
1.3.1 研究方法........2
1.3.2 研究的内容....3
1.4 本文的创新点与不足..........4
1.4.1 本文创新点....4
1.4.2 不足之处........4
第 2 章 文献综述 .....5
2.1 国外关于中小企业融资问题的综述..........5
2.1.1 中小企业融资困难的原因....5
2.1.2 缓解中小企业融资困难的对策研究6
2.2 国内关于中小企业融资问题的综述..........6
2.2.1 导致国内中小企业融资困难的原因研究....7
2.2.2 缓解国内中小企业融资困难的对策研究....7
2.3 评述..8
第 3 章 国内中小企业融资现状分析.........9
3.1 国内中小企业发展对融资的需求..9
3.1.1 国内中小企业对 GDP 总量的贡献比例分析..........9
3.1.2 银行对国内中小企业的融资支持总量分析..........10
3.2 国内中小企业目前主要的融资方式........ 11
3.3 国内中小企业融资困境的成因....13
3.3.1 企业自身存在的问题..........13
V
3.3.2 银行信贷制度问题..14
3.3.3 政府长期政策支持问题......15
第 4 章 民生银行 A 市支行融资案例分析 ..........16
4.1 民生银行 A 市支行基本情况.......16
4.2 A 市 JT 化纺有限公司案例分析...18
4.2.1A 市 JT 化纺有限公司基本情况......18
4.2.2 民生银行 A 市支行对 JT 公司减少授信的原因....23
4.2.3 民生银行 A 市支行在 JT 公司融资过程中存在的问题....24
4.3 民生 A 市支行在解决中小企业融资过程中产生问题的成因...25
4.3.1 银行内部经营理念和制度的原因..25
4.3.2 企业自身的原因......
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