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深入剖析经济周期性波动对江苏中小企业经营发展的影响,研究并制定促进江苏中小企业健康平稳发展的金融支持举措,是商业银行的必然选择。本文借助金融经济周期理论,深入剖析了经济周期波动下的江苏中小企业金融市场特点,详尽分析了商业银行支持中小企业的不适应因素,通过借鉴国内外商业银行的经验做法,从明确发展战略、重塑运营模式、提升金融服务、健全风险控制机制和培育金融支持体系五个方面,提出了支持中小企业发展的具体对策,为解决中小企业融资难题提供了金融视角的思路和范式。
In-depth analysis of the impact of cyclical fluctuations in the economy on the development of SMEs in Jiangsu Province, research and development of SMEs in Jiangsu Province to promote healthy and stable development of financial support measures is the inevitable choice for commercial banks. Based on the theory of financial and economic cycle, this dissertation deeply analyzes the characteristics of financial markets of SMEs in Jiangsu under the fluctuation of economic cycles, analyzes in detail the unacceptable factors of commercial banks in supporting SMEs, draws lessons from the experience of domestic and foreign commercial banks, Reforming operation mode, improving financial service, perfecting risk control mechanism and fostering financial support system, put forward specific countermeasures to support the development of small and medium-sized enterprises, and provided the thinking and paradigm of financial perspective for solving the financing problems of small and medium-sized enterprises.