| 金融综合改革背景下下商业银行小微企业的信贷创新研究——以福建省泉州市为例 |
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| 引用本文： | 李婷婷.金融综合改革背景下下商业银行小微企业的信贷创新研究——以福建省泉州市为例[J].科技和产业,2015,15(4):137-142. |
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| 作者姓名： | 李婷婷 |
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| 作者单位： | 福建师范大学福清分校经济与管理学院,福建福清,350300 |
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| 摘 要： | 通过对金改实施以来到2014年银行小微信贷数据的分析,认为信贷创新是一个双赢的选择,并通过对泉州市商业银行信用创新业务的分析获取经验启示.银行信贷创新从贷款还款方式、贷款担保方式、贷款审批流程入手,接着从这三方面提出具体的创新对策,并进一步提出完善信贷创新金融环境.
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| 关 键 词： | 商业银行 小微企业 信贷创新 金融综合改革 |
The Research of Commercial Bank Credit Innovation under the Background of Financial Reform——Based on the case of Quanzhou city in Fujian province |
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| LI Ting-ting.The Research of Commercial Bank Credit Innovation under the Background of Financial Reform——Based on the case of Quanzhou city in Fujian province[J].SCIENCE TECHNOLOGY AND INDUSTRIAL,2015,15(4):137-142. |
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| Authors: | LI Ting-ting |
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| Institution: | LI Ting-ting;School of Economics and Management,Fuqing Institute of Fujian Normal University; |
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| Abstract: | This?research?through?to?the?gold?change?since?the?implementation?of?the?2014 Banksmall?micro?credit?to?the?analysis?of?data,?that?the?credit?innovation?is?a?win-win choice,Gain experience and enlightenment through the analysis of Quanzhou city commercial bank credit business. Bank credit innovation from the way, loan repayment guarantee way, the loan approval process to start, Then the paper puts forward the concrete thinking of innovation from these three aspects, and further put forward a sound financial ecological environment credit innovation. |
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| Keywords: | commercial banks micro enterprise creditinnovation comprehensivefinancial reform |
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