城市商业银行在资本新规背景下对小微企业融资的策略研究  

A Study on the Financing Strategy of Urban Commercial Banks for Small and Micro Enterprises under the Background of New Capital Rules

作　　者：李天航 Li Tianhang(Business School,Beijing Technology and Business University,Beijing 102401)

机构地区：[1]北京工商大学商学院,北京102401

出　　处：《中国商论》2024年第7期105-108,共4页China Journal of Commerce

摘　　要：在《商业银行资本管理办法》(资本新规)的背景下,城市商业银行的前景充满了挑战与机遇。资本新规提高了商业银行的风险抵御能力,使其在复杂市场环境中运营更为稳健,但同时也对其业务运营效率提出了更高要求。为了更好地支持小微企业的融资与发展,城市商业银行必须调整融资策略,如增加对小微企业的信贷投放、优化审批流程以及提供更加灵活的融资方案。本文通过深入分析小微企业的融资现状和需求特点,以及明确城市商业银行所面临的问题和挑战,提出针对性的策略建议,旨在帮助城市商业银行更好地适应资本新规要求、满足小微企业融资需求、推动实体经济发展,为城市商业银行的发展提供指导和借鉴。Under the background of the Capital Management Measures for Commercial Banks(new capital rules),the prospect of urban commercial banks is full of challenges and opportunities.The new capital rules improve the risk resistance ability of commercial banks,making them more stable in the complex market environment,while putting forward higher requirements for their business operation efficiency.In order to better support thefinancing and development of small and micro enterprises,urban commercial banks must adjust their financing strategies,such as increasing the credit supply to small and micro enterprises,optimizing the approval process and providing moreflexible financing plans.Through an in-depth analysis of the financing status and demand characteristics of small and micro enterprises,as well as the problems and challenges faced by urban commercial banks,this paper puts forward targeted strategies and suggestions,aiming to help urban commercial banks better adapt to the requirements of the new capital rules,meet thefinancing needs of small and micro enterprises,promote the development of the real economy,and provide guidance and reference for the development of urban commercial banks.

关 键 词：资本新规 城市商业银行 中小企业融资 资本充足率 风险管理 

分 类 号：F276.3[经济管理—企业管理] F830.33[经济管理—国民经济]