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Research on the Financial Innovation Based on Virtuous Evolution of the Credit Relationship between Banks and Enterprises

Author: HouYinYin
Tutor: ChenJinLong
School: Huaqiao University
Course: Technology Economics and Management
Keywords: Credit Relations Evolutionary Game FinancialInnovation Corporate Social Capital
CLC: F832.4
Type: Master's thesis
Year: 2012
Downloads: 44
Quote: 0
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The capital market in China is not perfect compared to developed countries.The channels of direct financing developed slowly, really, bank loans are themain channels for Corporate Finance. So a benign development of the creditrelationship between banks and enterprises is of vital importance to theprogress of the overall social economy. However the prevalent existence ofdifficulty in obtaining loans and high non-performing loans rate in SMEsshowcases a rocky relationship between SMEs and banks. It also exposed theproblems of banks’ risk management and corporate integrity. It hence becomesan important issue to study the well evolvement of their credit re lationship.Based on the bounded rationality assumption, the article mainly studies thecredit relations between enterprises and banks. Through the application oftheories including The Basis of Credit, Asymmetric Information Theory,Evolutionary Game Theory, Theory of Financial Innovation and SocialCapital Theory, it studies the evolution mechanism of the credit relationshipbetween banks and enterprises by the establishment of evolutionary gamemodel. From a new perspective of financial innovation, it ex plores the internalmechanism that financial innovation promoting the benign development of thecredit relationship between banks and enterprises. Coming up withcountermeasures, the paper attempts to provide a theoretical reference for thefinancial innovation about promoting the credit relationship between banksand enterprises.After model derivation and cases studying, the main research results in thearticles are as follows:First, through the establishment of evolutionary game model, it explainedthe microscopic mechanism of establishment and development of the creditrelationship between banks and enterprises. It modified the original model bythe combination of financial innovation and proved that feasibility that financial innovation promoting the credit relationship between banks andenterprises.Second, from the perspective of financial innovation, based on the SocialCapital Theory, and combined the cases of financial innovation, it reveals themechanism that financial innovation promoting the credit relationshipbetween banks and enterprises. They are in way of financial innovation, toassess the viability of the enterprise, to enhance wishes of fulfilling and toincrease the net income of banks.Third, taking the representative financial products for SMEs of banks inQuanzhou for example, it analysis the practice that financial innovationpromoting the credit relationship between banks and enterprises. And thesame time, it presents the corresponding recommendations.

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