河北省农信社服务中小企业金融的策略研究

　　摘 要

　　随着我国改革开放的不断深入，中小企业作为县域经济发展的重要力量，在国民经济中的地位和作用日益凸显。中小企业不仅是国民经济持续稳定增长的重要支点、地方财政的重要财源，也是创造就业机会、维护地方社会稳定的有力保障。国家越来越重视中小企业发展，近年来，连续配套出台了一系列制度办法，要求大力促进中小企业健康稳定发展。同时，快速发展的中小企业对融资的需求越来越旺盛，并且对金融服务的需求也越来越多样化。河北农村信用社作为农村金融阵地的主力军，对中小企业金融支持力度虽然居于全省各家金融机构首位，但事实表明，中小企业融资缺口还很大，河北省农村信用社在支持中小企业金融服务方面还存在一些问题。如何进一步提升农信社对中小企业综合金融服务的能力和水平，促进中小企业更好更快发展，仍是当前及今后河北省联社以及社会各界关注的焦点。

　　本文在国内外学者研究的基础上充分结合河北农信社实际，从中小企业金融服务的理论概念入手，指出中小企业金融服务不能单单等同于中小企业贷款，中小企业金融服务要以客户为导向，上升到“综合金融服务”的高度。其次，分析和总结河北省农信社中小企业金融服务的现状，指出存在的主要问题，并对产生问题的原因进行梳理。再次对支持中小企业发展方面有较好成效的外省、市两家农信机构的经验进行剖析，并得出启示。最后，站在省联社角度，提出全省农信社加强中小企业金融服务的整体对策，即深化省、市、县三级法人的体制改革，理顺产权关系；制定整体战略规划，确定发展目标；重塑组织架构，树立以客户为中心的经营理念，另外对如何优化外部环境提出建议。通过本文的研究期待可以为河北农村信用社更好地支持中小企业金融服务提供参考。

　　关键词 农村信用社 中小企业 金融服务

　　Abstract

　　With the deepening of the reform and opening up in China, the small and medium-sizedenterprises have developed rapidly and become an important force to boost the growth ofnational economy in modern socialist market economy in China. Medium-sized enterprisesplay a very important role in stabilizing the national economy and local finance and promotejob opportunity to the stability of the society. In recent years, they have made great progressunder the series of supporting instruction regulations. The Rural Credit Cooperative of Hebeiis main force in rural financial market to enhance the financial services for small andmedium-sized enterprises all the time. However, there are still some financial problemsamong the small and medium-sized enterprise under the current complex economic andfinancial situation. We should focus on how to further optimize the financial services forsmall and medium-sized enterprise to promote their economic development.

　　This research scholars at home and abroad on the basis of fully considering the reality ofHebei Rural Credit Cooperatives, from the theoretical concept of small business financialservices, and points out that small and medium-sized enterprise financial services not onlyequal to small and medium-sized enterprise loan, small and medium-sized enterprisefinancial services to customer oriented, rose to the height of the “comprehensive financialservices”. Secondly, it analyzes and summarizes the current situation of small andmedium-sized enterprise financial services of rural credit cooperatives in Hebei province,points out the main problems and the causes. Once again it analyzes the experience of itsinstitutions, better support for small and medium-sized enterprises from other provinces, anddraw inspiration. Finally, standing on the perspective of provincial association, the authoroffers overall countermeasures for Rural Credit Cooperatives to strengthen financial servicesto the small and medium-sized enterprise. We have to deepen the reform of the relationshipamong counties, cities and county and the relationship between property rights. Overallstrategic planning should be proceeded to determine the development goals. And we need toreshape the organizational structure in order to establish customer-focused businessphilosophy and puts forward suggestions on how to optimize the external environment. Welook forward to provide useful suggestions to Hebei Rural Credit Cooperatives for betterfinancial services to small and medium-sized enterprises through the study.

　　Key words Rural Credit Cooperatives Small and medium-sized enterprisesFinancial support
 

　　目 录

　　第 1 章 绪论···························································································································1

　　1.1 研究背景························································································································1

　　1.1.1 中小企业的重要地位和作用··················································································1

　　1.1.2 中小企业融资服务覆盖率较低··············································································1

　　1.1.3 国家和地方政府、监管部门大力支持中小企业金融服务···································2

　　1.1.4 金融同业竞争压力亟需农信社进一步巩固中小企业金融服务阵地···················3

　　1.2 研究意义························································································································3

　　1.3 研究现状综述 ················································································································4

　　1.4 研究方法与论文结构 ····································································································6

　　1.4.1 研究方法 ·················································································································6

　　1.4.2 论文结构 ·················································································································7

　　1.5 研究创新点 ····················································································································7

　　第 2 章 中小企业及中小企业金融服务相关理论概述························································9

　　2.1 中小企业的划分标准 ····································································································9

　　2.1.1 国家划分标准 ·········································································································9

　　2.1.2 河北省农信社分行业划分标准············································································10

　　2.2 中小企业金融服务的界定 ··························································································10

　　2.2.1 中小企业金融服务的定义···················································································· 11

　　2.2.2 中小企业金融服务的内容····················································································12

　　2.3 农村信用社在中小企业金融服务中的地位和作用 ···················································13

　　2.3.1 农村信用社为中小企业提供金融服务的必然性 ················································13

　　2.3.2 农村信用社为中小企业提供金融服务的可行性 ················································15

　　第 3 章 河北省农村信用社中小企业金融服务情况··························································16

　　3.1 河北省农信社支持中小企业金融服务情况 ·······························································16

　　3.1.1 信贷支持力度不断增强 ·······················································································16

　　3.1.2 助力产业机构调整效果显着················································································17

　　3.1.3 信贷业务品种日渐丰富 ·······················································································18

　　3.2 河北省农信社中小企业金融服务存在的问题 ···························································19

　　3.2.1 现有管理体制不完善 ···························································································20

　　3.2.2 市场核心竞争力较弱 ···························································································21

　　3.2.3 信贷管理水平不够高 ···························································································21

　　3.2.4 农村金融生态环境较差 ·······················································································24

　　3.3 河北省农村信用社中小企业金融服务存在问题的原因分析····································25

　　3.3.1 管理体制和经营机制亟待深入改革····································································25

　　3.3.2 中小企业金融服务战略规划有待明确 ································································26

　　3.3.3 信贷专营队伍的培育未被充分重视····································································26

　　3.3.4 外部配套服务系统需要进一步完善····································································27

　　第 4 章 地方金融机构支持中小企业发展的经验借鉴······················································29

　　4.1 海南省农信社支持中小企业经验···············································································29

　　4.1.1 海南省农信社基本情况 ·······················································································29

　　4.1.2 小额信贷模式分析 ·······························································································29

　　4.2 安徽马鞍山农商行支持中小企业经验·······································································30

　　4.2.1 马鞍山农商行基本情况 ·······················································································30

　　4.2.2 微贷流程模式分析 ·······························································································30

　　4.3 借鉴与启示 ··················································································································32

　　第 5 章 河北省农村信用社提升对中小企业金融服务的对策 ··········································33

　　5.1 深化体制改革，组建农村金融控股公司···································································33

　　5.2 确定战略规划，建立中小企业“私人银行”发展目标 ···········································34

　　5.2.1 明确以建立中小企业“私人银行”为目标的市场规划 ····································34

　　5.2.2 建立以需求为导向的综合服务创新策略 ····························································35

　　5.2.3 实施差异化、多层次的激励策略········································································37

　　5.3 重塑组织架构，树立以客户为中心的服务理念 ·······················································38

　　5.3.1 加强人才队伍建设，提升人员专业化程度 ························································38

　　5.3.2 实施统一标准、流程简化的管理模式 ································································38

　　5.3.3 业务营销和风险管控双管齐下············································································39

　　5.4 优化金融环境，加强外部配套服务体系建设 ···························································39

　　5.4.1 完善中小企业风险分担体系················································································39

　　5.4.2 加强外部配套服务体系建设················································································40

　　结 语·································································································································41

　　参考文献·································································································································42

　　致 谢·································································································································44