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Shanghai Pudong Development Bank to expand SME relationship lending business analysis

Author: ZhouRen
Tutor: ZhouHaoMing
School: Central South University
Course: Business Administration
Keywords: Relationship Lending Shanghai Pudong Development Bank SMEs Loan Pricing
CLC: F832.4
Type: Master's thesis
Year: 2009
Downloads: 315
Quote: 1
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Abstract


With the full liberalization of China's financial industry , commercial banks facing increasingly fierce market competition , the survival and development is a challenge . Further , the bank's traditional customers - and medium-sized enterprise bargaining power getting stronger, \Banks need to open up new profit growth point and a stable source of income. Meanwhile, the status of our economy and the growing role of small businesses are facing huge financial difficulties, need large banks including financing, settlement, financial management , investment banking consultant , electronic banking, bank cards and other services integrated financial services . Based on the above background , the Shanghai Pudong Development Bank in innovative ideas , actively looking for the combination of points and SMEs , in order to achieve win-win situation between banks , to develop SME customers and markets, cultivate loyalty for future development , potential stable customer base ; Meanwhile, many small and medium enterprises with the Shanghai Pudong Development Bank to achieve a comprehensive financial services to flourish. This paper summarizes the relevant research results at home and abroad on the basis of the theory of financial intermediation and learn small business financial growth theory , in-depth analysis of the commercial banks and SMEs symbiotic relationship , banks and small businesses to find the best combination of paths - relational loans. This paper analyzes the Shanghai Pudong Development Bank to establish relationship lending and SMEs , and proposes to establish the Shanghai Pudong Development Bank and SMEs relationship lending strategy , combined with Shanghai Pudong Development Bank Zhuzhou Branch actual loan case that demonstrates the relationship loan pricing model pricing process , calculation relationship between the bank lending rate from the effects of strategic change , business strategy and technical support three levels proposed Shanghai Pudong Development Bank to develop small businesses as a valid business relationship lending , loan pricing flexible application of the relational model supporting measures.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
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