摘要在近些年的发展中，依赖于我国经济的快速增长和经济体制改革，中小企业蓬勃发展。根据2017年《中国统计年鉴》的最新统计数据，中国中小企业数量已经占到中国企业总数的99%以上。同时，政府也越来越重视我国中小企业的发展状况，通过出台相关法律加强对中小企业的保护力度。随之而来的中小企业融资难的问题也受到了中国学者的广泛关注。但是由于中国银行业相对于国外银行业发展起步较晚，存在着经营机制不健全，经营理念落后等问题。因此，找到一个适合我国银行中小企业信贷业务发展的战略成为了目前亟需解决的问题。本文正是基于此背景，选取哈尔滨银行哈尔“滨分行（以下简称哈尔滨”分行）作为研究对象，对其中小企业信贷业务进行深入地分析和研究，本文的主要工作内容能够整理为四个方面：第一，理论分析，依靠查阅有关的文献数据，了解国内外学者当前研究成果，熟悉本文研究所需掌握的基本概念及相关理论，从而为后续的分析奠定理论基础；其次，深入地分析了哈尔滨分行中小企业信贷业务发展现状，从整体情况、分业务情况、分行业情况这几个方面进行论述，并简要描述了哈尔滨分行中小企业信贷业务管理流程；再次，深入地分析了哈尔滨分行中小企业信贷业务发展所存在的问题以及原因，从银行信贷审批制度层面、政府信贷政策层面、中小企业自身层面归纳了原因；最后，针对这些原因，提出了相应的解决策略，旨在通过这些策略的实施和应用，能够促进哈尔滨分行中小企业信贷业务持续稳定地发展，从而为黑龙江省中小企业发展提供更为充足的经济支持。关键词：哈尔滨银行哈尔滨分行；中小企业；信贷业务AbstractInrecentyears,relyingontherapideconomicgrowthandtheeconomicreform,thegrowthofthesmallandmediumenterpriseshasthehigh-speed.Accordingtothelateststatisticsof2017ChinaStatisticalYearbook,thenumberofsmallandmedium-sizedenterprisesinChinahaveaccountedformorethan99%ofthetotalnumberofChineseenterprises.Atthesametime,thegovernmenthaspaidmoreandmoreattentiontothedevelopmentofsmallandmedium-sizedenterprisesinourcountry.Thegovernmentgraduallypromptsthedevelopmentofsmallandmediumenterprisesbylayingouttherelativelaw.Thequestionoffinancingdifficultiesofsmallandmedium-sizedenterpriseshasalsobeenpaidmoreandmoreattentionbyChinesescholars.However,comparingwiththeforeignbankingindustry，thebankingindustryinChinawithplightinsomeaspectsthatoperatingmechanismisnotperfectorbusinessphilosophyorotherissues.Therefore,tofindasuitablestrategyfortheChina'sSMEcreditbusinessdevelopmenthasbecomeanurgentneed.Thisarticleisbasedonthisbackground,selecttheHarbinbankHarbinbranch(hereinafterreferredtoasthe"Harbinbranch")astheresearchobject,in-depthanalysisandResearchonthecreditbusinessofsmallenterprises,themaincontentsofthispapercanbesummarizedintofouraspects:first,thetheoreticalanalysis,byconsultingtherelevantliteratureathomeandabroadtounderstandthecurrentresearchresultsofscholars,familiarwiththebasicconceptsofthisstudyrequiredandrelatedtheory,whichprovidesatheoreticalbasisforthesubsequentanalysis;secondly,in-depthanalysisofthepresentsituationofthecreditbusinessdevelopmentofsmallandmedium-sizedenterprisesinHarbinbranch,fromtheoverallsituation,businesssituation,thesubsectorsoftheseaspectswerediscussed,andabriefdescriptionofthecreditbusinessmanagementofsmallandmediumenterprisesinHarbinbranch;thirdly,in-depthanalysisoftheexistingdevelopmentofcreditbusinessofsmallandmedium-sizedenterprisesinHarbinbranchandThereason,fromthelevelofbankcreditapprovalsystem,thegovernmentcreditpolicylevel,smallandmedium-sizedenterpriselevelsummarizesthereasons;finally,accordingtothesereasons,forthespecificimplementationandapplicationofrelevantstrat...
