mba論文面向中小企業(yè)融資的商業(yè)銀行業(yè)務(wù)流程再造研究——以中信銀行揚(yáng)州分行為例pdf

1、安徽財(cái)經(jīng)大學(xué)工商管理碩士（MBA）學(xué)位論文 I 面向中小企業(yè)融資的商業(yè)銀行業(yè)務(wù)流程再造研究 面向中小企業(yè)融資的商業(yè)銀行業(yè)務(wù)流程再造研究 —— ——以中信銀行揚(yáng)州分行為例 以中信銀行揚(yáng)州分行為例 內(nèi)容摘要 內(nèi)容摘要 20 世紀(jì)是我國中小企業(yè)得到快速增長與發(fā)展的世紀(jì)，由于世界經(jīng)濟(jì)的平穩(wěn)增長使得中小企業(yè)在數(shù)量和質(zhì)量上均有了很大提升。中小企業(yè)的發(fā)展不僅給世界經(jīng)濟(jì)的發(fā)展帶來了生機(jī)，同時(shí)也在提高人民的生活水平、解決就業(yè)、加強(qiáng)國際間的交流與合作方面起

2、到了重要作用。美國曾經(jīng)出現(xiàn)的非理性的經(jīng)濟(jì)繁榮也在很大程度上得益于中小企業(yè)的發(fā)展。 而對(duì)于我國來說，改革開放以來由于我國為中小企業(yè)的發(fā)展?fàn)I造了良好的經(jīng)濟(jì)和制度環(huán)境，所以我國的中小型企業(yè)得到了快速的發(fā)展，并且改變了我國傳統(tǒng)的國有企業(yè)一統(tǒng)天下的局面，而成為多種所有制經(jīng)濟(jì)共同發(fā)展的狀況。隨著社會(huì)的發(fā)展與進(jìn)步，中小型企業(yè)已經(jīng)成為了我國經(jīng)濟(jì)的有機(jī)組成部分，也是我國經(jīng)濟(jì)發(fā)展中最具活力的部分，是我國經(jīng)濟(jì)增長的重要來源。 但是，由于我國市場經(jīng)濟(jì)體制尚不成

3、熟，各種各樣的困擾阻礙了中小企業(yè)的發(fā)展，很多中小企業(yè)得到一定程度的發(fā)展后而無法實(shí)現(xiàn)規(guī)模經(jīng)營甚至止步不前，再加上中小企業(yè)自身在管理上存在著一定的欠缺，所以中小企業(yè)的發(fā)展前景十分令人擔(dān)憂。為了解決這一問題，許多專家也從各個(gè)角度對(duì)其展開了研究，并發(fā)現(xiàn)中小企業(yè)普遍存在著融資困難的問題，這一問題很大程度上制約了中小型企業(yè)的進(jìn)步。2008 年，全球性的經(jīng)濟(jì)危機(jī)的爆發(fā)以來，中小型企業(yè)的發(fā)展進(jìn)一步受到了限制，尤其是融資問題進(jìn)一步嚴(yán)峻，如何解決中小企業(yè)融

4、資難的問題已經(jīng)成為我國繼續(xù)面臨的一個(gè)問題。為此，我國一方面要吸收與借鑒國外的實(shí)踐經(jīng)驗(yàn)，同時(shí)自身也要進(jìn)行融資創(chuàng)新，有效地解決中小企業(yè)融資問題。作為中小企業(yè)資金供給的主渠道，銀行如何改進(jìn)中小企業(yè)融資服務(wù)模式，再造中小企業(yè)服務(wù)流程，以破解中小企業(yè)融資困境，顯得尤為重要。 本文通過對(duì)商業(yè)銀行流程再造理論的綜述，運(yùn)用案例研究方法，理論與實(shí)際相結(jié)合，介紹了業(yè)務(wù)流程再造理論，分析了我國銀行業(yè)目前中小企業(yè)貸款在業(yè)務(wù)流程方面存在的問題，同時(shí)以中信銀行為例

5、論述了為了解決中小企業(yè)融資困境所作出的業(yè)務(wù)流程再造。 本文主要由五個(gè)部分組成，具體內(nèi)容如下： 第一部分是導(dǎo)論，主要闡述了論文選題的背景、研究意義、研究方法安徽財(cái)經(jīng)大學(xué)工商管理碩士（MBA）學(xué)位論文 I BUSINESS PROCESS REENGINEERING (BPR) OF COMMERCIAL BANKS FOR SME FINANCING —— —— YANGZHOU BRANCH OF CHINA CITIC BANK AB

6、STRACT The 20th century was the century of rapid growth and development of small and medium-sized enterprises in China, the to enabling small and medium-sized enterprises have greatly improved the quantity and quality du

7、e to the steady growth of the world economy. The development of small and medium-sized enterprises not only to bring to life the development of the world economy, while also improving the living standards of the people,

8、to solve the employment played an important role in strengthening international exchanges and cooperation. The the irrational economic prosperity of the United States had appeared also largely due to the development of s

9、mall and medium-sized enterprises. For our country, to create a good economic and institutional environment for the development of small and medium-sized enterprises in China since the reform and opening up, China's

10、small and medium-sized enterprises has been rapid development, our traditional state-owned enterprises dominate the world and to change the situation, become a variety of forms of ownership develop the situation. With th

11、e development and progress of society, small and medium-sized enterprises have become the most dynamic part of the integral part of our economy, but also in China's economic development, is an important source of eco

12、nomic growth in China. However, China's market economic system is not yet mature, and a variety of troubled hinder the development of small and medium-sized enterprises, many small and medium enterprises to get a cer

13、tain degree of development after not realize the scale of operation and even stalled, plus SMEs in there is a certain lack of management, so the prospects for the development of small and medium-sized enterprises is very

14、 worrying. To solve this problem, many experts from all angles to its expand research and found that the prevalence of the problem of financing difficulties SMEs, this problem is largely restricted the progress of small