中小企业融资与银行数字化转型思考

本文简单介绍银行数字化的基本情况,在此基础上分析现阶段中小企业融资工作存在的问题。以上述两点为切入点,就中小企业融资与银行数字化转型展开研究和思考,并探究银行数字化转型与中小企业融资之间的关系,阐述提升中小企业融资效率的策略和推动银行数字化转型发展的有效路径。希望可以为相关人员提供帮助和借鉴,从而促进中小企业和银行的进步与发展。     

正确认识政策性银行的政策性与金融性的关系——从日本两家政策性银行的不同命运说起

一、日本两家政策性银行的不同命运及其原因 日本长期信用银行(以下简称长银)成立于1952年.1999年9月29日,该银行被转让给美国的里普尔伍德控股公司.这个决定是由日本政府的金融重建委员会作出的,消息传出,令世人震惊.因为长银成立之初,就是一家负有特殊使命的金融机构,是国家特殊政策银行,且于1998年10月已被国有化了.外国公司首次收购日本银行,标志着多年来高度封闭的日本金融体系终于被冲开了一个缺口.与此同时,日本的开发银行却成功地经历了几十年的变迁,在1999年10月1日又进行了重组,与北海道东北开发公库合并为日本政策性银行.     

物流银行质押贷款:化解中小企业融资难问题

融资难问题一直制约着中小企业的发展,本文对物流银行质押贷款业务进行了介绍,认为物流银行质押贷款可以在很大程度上解决中小企业的融资难问题。     

中小企业贷款难在何处

以私营为主的中小企业是国民经济中最富活力的部分，但很多地方的中小企业贷款难，发展受阻，这在全国各地是不争的事实。中小企业贷款究竟难在何处?     

从中小企业融资难谈现有银行结构的改革

文章探讨我国中小企业融资难的问题,并由此提出银行结构改革的紧迫性和必要性.     

D银行基于平衡计分卡的中小企业贷款绩效评价体系构建

传统的财务评价指标不太适用于现阶段银行中小企业贷款的绩效评价,本文在传统财务评价指标的基础上加入非财务指标,构建了新的绩效衡量标准,通过创新平衡计分卡的四个维度,重点突显了D银行履行社会责任的作用.评价结果显示,D 银行中小企业贷款业务整体表现为比较满意,并对值得关注的相关维度提出了思考.     

中小企业贷款难的原因及应对措施

中小企业贷款难一直是我国的一个热点问题,解决这一问题的成果直接关系到我国国民经济的可持续发展,探讨和破解中小企业"贷款难"的问题尤为重要。正是从中小企业和银行两个方面来探讨贷款难的原因,针对企业、银行、政府三方面提出一系列建议,形成相对系统的应对措施和解决方案。     

新时期我国政策性银行的职能定位研究

建设社会主义新农村是我党提出的新的历史任务,新农村的建设离不开金融系统的支持。作为唯一的农业政策性银行,农发行服务新农村建设,重新审视其职能定位,加快其发展尤为重要。     

我国中小证券公司的困境与出路

在中国证监会加强监管和履行WTO承诺的背景下，处于经营困境中的我国中小证券公司面临着前所未有的挑战。本文在分析了中小证券公司面临的困境基础上，对摆脱困境的出路进行了探索性研究。     

Networking strategy of boards: implications for small and medium-sized enterprises

Development of linkages with the external environment, e.g. interlocks, is a mechanism to access scarce resources. Creating and maintaining these linkages may be an organizational capability that creates a competitive advantage for small and medium-sized enterprises (SMEs). A partial model of networking strategy is proposed, which includes measures of board composition, interlocks, entrepreneurial orientation and environmental hostility. Analysis of 70 community bank Chief Executive Officer (CEO) responses (58% response rate) lends support to the proposition that firms with a networking strategy performed better (higher return on assets (ROA) and higher return on expenditure (ROE)) than those firms that did not actively pursue the development of networks.     

The Peter Pan syndrome for small and medium-sized enterprises: Evidence from Korean manufacturing firms

This study examines whether government support for small and medium-sized enterprises (SMEs), aimed at stimulating their growth, achieves its intended goal. We argue that government subsidies create the incentive for SMEs to remain small in order to keep receiving such support and thus SMEs are reluctant to grow. We call this phenomenon the Peter Pan syndrome. Using a dataset of Korean manufacturing firms during the period of 2010–2012, we find that the Peter Pan syndrome indeed exists and that the likelihood of the Peter Pan syndrome is conditioned by factors that influence their incentive to remain as SMEs.     

Failure factors in small and medium-sized enterprises: qualitative study from an attributional perspective

The objective of this study is to identify factors for poor performance and failure faced by small and medium-sized enterprises (SME) and to investigate a potential bias between real causes and attribution for stranding. In order to achieve this objective, we have adopted entrepreneurial personal story explorations in eight Portuguese SME. Our research reveals that the most important factors are limited access to finance, poor market conditions, inadequate staff, and lack of institutional support, as well as co-operation and networking. Hereby, at a first glance, external factors were more often cited, but qualitative analysis revealed that internal factors are imminent and not satisfactorily recognized. Even though some owner–managers showed a certain awareness regarding their internal weaknesses, many problems such as lacking strategy and vision, low educational levels, and inadequate social capital are not sufficiently recognized. Therewith, we found a strong attribution error when SME owner–managers judge the causes of their ventures’ unsuccessful performance and failure. Finally, we draw conclusions and suggestions for policymakers, small business owners, consultants, and researchers.     

动态联盟与中小企业的成长

在竞争激烈、产品快速升级换代的环境下,中小企业难以完全依靠自身力量立足并取得发展,中小企业成长依赖于外部资源获取,而资源获取渠道又通常来自于各种关系交织成的复杂、交叉重叠的社会网络,文章将中小企业与动态联盟联系起来,对动态联盟这种新的企业运作模式在中小企业成长所起的作用进行论述。     

Entrepreneurship and innovativeness of small and medium-sized construction enterprises

The construction industry is a key industry in any economy. Due to its specific characteristics, the industry is of substantial importance to the development of other sectors. Competition is highly intense, and the industry itself is susceptible to changes in market circumstances that force the entities operating in it to continuously take actions to enhance their competitiveness by, among other things, introducing innovative solutions. The objective of the present study is to evaluate the level of innovativeness of enterprises in the small and medium-sized (SME) sector in the Polish construction industry and to identify the factors that influence this level of innovativeness, which relates to the location of the business and managers’ awareness of the significance of innovation in shaping a firm’s competitiveness. Qualitative research was conducted on a sample of 608 companies. The obtained results demonstrate that construction companies from the SME sector in Poland are characterized by a level of innovativeness that is similar to that found in other enterprises, which is a consequence of the relatively high awareness of the significance of innovation to obtaining a competitive position among the managers of these companies. An analysis of the innovative activities of these companies by location shows, in turn, that entities operating in regions that are less economically developed and less attractive in terms of investment are more innovative.     

Management training in small and medium-sized enterprises: methodological and conceptual issues

The paper examines the impact of management training and development on the organisation and performance of small and medium-sized enterprises (SMEs), via a variety of quantitative and qualitative research techniques and including both crosssectional and longitudinal approaches to analysis. The paper demonstrates the value of management training and development in SMEs and demonstrates a series of one-off and longer lasting effects on their organization and performance. The paper also highlights the conditions under which management development projects are likely to be more successful. Finally, the paper extends the schema developed by Arthur and Hendry (1990) and Hendry et al. (1991), indicating the factors influencing training within businesses, and shows the indirect and complex links between management training and firm performance.     

论中小企业技术创新

我国中小企业技术创新活动具有多样性和广泛性,它们的技术创新在许多行业占据了主导地位,研究中小企业的技术创新问题对经济发展和社会进步具有重要意义。文章围绕中小企业的技术创新概念、企业与技术创新的关系、内外部环境分析进行讨论,提出新形势下中小企业技术创新的对策。