中小银行小微金融业务实践及发展建议

在我国经济面临内部结构性问题及外部不确定性压力下,小微企业作为稳经济、稳就业的主力军,其稳健发展对增强经济内生发展动力、实现共同富裕目标发挥着关键作用.近年来,中小银行遵循金融服务实体经济的政策指引,不断加大小微金融信贷投放力度,但小微金融业务发展仍面临许多挑战.中小银行仍须持续提升小微金融服务质效,助力小微企业高质量发展.     

科技金融发展论坛在绵阳举行

10月27日,科技金融发展论坛在四川绵阳举行。此次论坛围绕科技金融政策支持与背景、科技金融支持小微实体经济、国家宏观支持中小银行政策等方面进行了研讨和交流。此次论坛由金融时报社、全国地方金融论坛办公室、绵阳市金融学会、绵阳市商业银行等单位主办。     

中小银行资本补充现状、制约与建议

中小银行是我国金融体系的重要组成部分,是服务地方经济、支农支小的主力军,对服务三农、民营、小微企业等实体经济具有重要作用,拓宽其资本补充渠道对支持实体经济发展具有重要意义。但受资产规模加速增长、盈利能力持续下降以及金融风险等多种因素影响,中小银行风险逐步暴露,资本充足率持续下降。     

2021中国银行业十大新闻

刚刚过去的2021年,中国银行业顺势而为,因时而变,大事不断:系统重要性银行名单公布、首批试点养老理财产品亮相、首批“跨境理财通”试点业务落地、中小银行IPO提速……盘点2021年银行业十大新闻,回望中国银行业过去一年的波澜壮阔。1银行业加大对实体经济支持力度推动小微企业金融服务增量扩面提质降本2021年,在政策助力下,银行业不断完善小微企业金融服务,加大对实体经济支持力度。银保监会数据显示,2021年前10个月,普惠型小微企业贷款新增3.2万亿元,同比增长24.6%。     

中小银行结售汇业务发展对策研究

中小银行在服务地方经济、支持小微企业发展等方面不可或缺。但相对大型银行,中小银行在结售汇业务发展、风险管理及人员素质建设等方面较为薄弱。本文通过对中小银行结售汇业务发展现状的分析,探究制约其快速发展的原因,并提出促进结售汇业务发展的政策建议。     

山西省金融机构支持小微企业发展状况研究

小微企业是国民经济发展的生力军.加强小微企业金融服务,是金融支持实体经济和稳定就业、鼓励创业的重要内容.本文分析了山西省金融机构支持小微企业发展面临的主要问题,提出了进一步做好小微企业金融服务工作,促进小微企业良性发展的政策建议.     

提高站位 精准施策——实施小微企业工会经费全额返还政策的思考与实践

为落实《中华全国总工会办公厅关于实施小微企业工会经费支持政策的通知》精神,甘肃省兰州市总工会结合自身实际,坚持目标导向,落实落细小微企业工会经费支持政策,全力促进小微企业健康发展。提高站位,充分认识政策实施的重要意义为贯彻落实党中央、国务院支持实体经济发展的决策部署,根据中国工会十七大对工会经费收缴改革的总体部署和要求,全国总工会出台对小微企业工会经费实行全额返还政策。     

观点摘编

尚福林:加大小微企业和"三农"金融支持力度银监会主席尚福林近日在接受媒体专访时表示,银行业的发展离不开实体经济的发展,实体经济也离不开金融血液的支持。下一步,银监会将要求银行业机构进一步优化信贷结构,提升服务质量,确保信贷资金有序流入实体经济,促进经济结构战略性调整。在小微企业金融服务方面,银监会将督促商业银行转变发展方式,增强主动做好小微企业金融服务工作的自觉性,加大小微企业金融支持力度。积极推进机构准入、存贷比考核、资本计量以及不良贷款容忍度等方面的差异化监管政策"落地"。同     

承德辖内农村中小银行服务民营小微企业调查

河北承德作为经济欠发达地区,大中型企业较少,民营小微企业对经济社会发展举足轻重。承德中小银行创新服务模式,优化服务方式,开发信贷产品,降低贷款利率,支持民营小微企业发展,收效良好。但也存在银企信息不对称,支持政策不到位,金融创新不足,制度不完善和揽存利率高等方面问题,须精准施策,予以解决。     

创投困局求解

创投业与实体经济相互依赖,实体经济不佳令好项目难求、募资乏力,除了政策利好,创投自身还需积极转型今年7月25日,国家发展改革委公布《关于加强小微企业融资服务支持小微企业发展的指导意见》(以下简称《指导意见》),支持符合条件的创业投资企业、股权投资企业和产业投资基金发行企业债券,专     

教育与资本怎样的前景怎样的现实

来自政府的声音: "动员各种社会资源,发展教育" 此次论坛上财政部长助理张少春的发言是最受关注的发言之一.他的演讲传达出的信息有这样几方面:第一,谈到现实,他认为全社会对教育的巨大需求与我国公共投入不足已成为我国教育事业发展的突出矛盾.近年来,以公共部门投入为主,多渠道筹措教育经费的教育投入机制成为解决这一问题的重要途径,也使得公共部门与私营部门在教育领域的合作日益密切.第二,谈到前景,他认为,1.中国经济持续、快速的增长对高技能人才产生巨大的需求,这为私营部门的参与提供了广阔空间.2.随着公共财政职能的不断完善,财政资金将在各项教育事业中重新进行分配,进一步优化财政支出结构,提高资金的使用效率.在"十一五"期间,我国将把公共支出的重点转移到农村.我们将逐步把全体农村适龄儿童的义务教育全部纳入公共财政体制.     

Debt and Taxes and Uncertainty

With a graduated personal tax schedule, Miller showed that there could be an equilibrium debt supply for the corporate sector as a whole. In the presence of uncertainty there is also a unique debt/equity ratio for each individual firm, and this ratio is related to the firm's operational risk characteristics. However, if firms merge and spin off in response to tax incentives, the identity of firms is ambiguous and only the corporate sector is a meaningful construct. These arguments are developed in both discrete and continuous models that employ extensions of the arbitrage-free pricing theory.     

East and west and north and south : A preliminary model

The Brandt report and other proposals for a new North-South world order continue to be the focus of lively debate, yet it is often argued that little concrete has emerged from their recommendations. A major reason for this, the author argues, is that the East-West conflict component is not sufficiently taken into consideration-East-West tensions are a severe constraint on and a determining factor of North-South relations. Using influence diagrams, the author develops a flexible framework for discussion and assessment of N/S-E/W relations.     

Tournament-based incentives and mergers and acquisitions

This research examines the relation between tournament-based incentives, which are proxied by the difference between a firm's CEO pay and the median pay of the senior managers, and mergers and acquisitions (M&As). We find that tournament-based incentives are positively related to firm acquisitiveness and acquiring firms' stock and operating performance. Further analysis indicates that positive acquisition performance increases the likelihood of the CEO being promoted from inside the acquiring firm. Our evidence is consistent with the view that tournament-based incentives motivate acquiring firms' managers to make greater efforts and take more risk that result in superior acquisition performance.     

Trust and cross-border mergers and acquisitions

A number of studies suggest that social trust matters for investment. Using different measures of trust from World Values Survey, we show that countries where people display higher levels of trust engage in more cross-border M&A activities. When they do, these acquirers pay lower premiums. To the extent that these acquirers also tend to engage in larger acquisitions as well, our findings suggest that a larger selection pool of potential targets and higher value targets enable these acquirers to negotiate for lower premiums. We do not find evidence of the significant effect for target country trust levels. Hence, trust may benefit those acquiring firms in cross-border transactions.     

Corporate Innovations and Mergers and Acquisitions

Using a large and unique patent‐merger data set over the period 1984 to 2006, we show that companies with large patent portfolios and low R&D expenses are acquirers, while companies with high R&D expenses and slow growth in patent output are targets. Further, technological overlap between firm pairs has a positive effect on transaction incidence, and this effect is reduced for firm pairs that overlap in product markets. We also show that acquirers with prior technological linkage to their target firms produce more patents afterwards. We conclude that synergies obtained from combining innovation capabilities are important drivers of acquisitions.     

Director gender and mergers and acquisitions

Does director gender influence CEO empire building? Does it affect the bid premium paid for target firms? Less overconfident female directors less overestimate merger gains. As a result, firms with female directors are less likely to make acquisitions and if they do, pay lower bid premia. Using acquisition bids by S&P 1500 companies during 1997–2009 we find that each additional female director is associated with 7.6% fewer bids, and each additional female director on a bidder board reduces the bid premium paid by 15.4%. Our findings support the notion that female directors help create shareholder value through their influence on acquisition decisions. We also discuss other possible interpretations of our findings.