Dissertation > Excellent graduate degree dissertation topics show

The Study on Small and Medium Enterprise Financing Guarantee from the Viewpoint of Banks

Author: LiangFeng
Tutor: ZhangLiJuan
School: Shandong University
Course: Project Management
Keywords: SEMS Finance Guarantee Commercial Banks
CLC: F832.4
Type: Master's thesis
Year: 2011
Downloads: 315
Quote: 0
Read: Download Dissertation

Abstract


SMES have played an increasingly important role in the promotion of national economic development and improvement of the employment level. However, financing is always a bottleneck to affect their development and growth. The whole society has reached consensus on the sustainable path of SMES financing in the future. In recent years, the government increased support for SMES development from the innovative system to the financial input. In order to solve this problem, the government at all levels and research institutions attempted many channels, such as expanding the range of collateral, personal credit guarantee product innovation, and so on. But these measures turned out to be little results from the practical effect. This paper attempts to analyze the reasons and solving path for SMES financing problems from the viewpoint of commercial banks by using the economics asymmetry principle and Udall and Berger’s theory of corporate financial growth cycle (1998). This paper also takes two most direct practitioner of the credit guarantee system for the entry point, that is, the case of cooperation between a state-owned bank in Shandong Jining and guarantee agencies. The analysis result of this paper shows that current SMES financing problems are mainly due to asymmetry of information between banks and enterprises, which leads to a lack of confidence in bank financing to SMES. Effective security can alleviate this situation of no confidence to some extent, but the low asset characteristics of SMES result the difficult implement in the collateral security. Therefore, establishing a solid credit guarantee system for SMES is a necessary solution to solve SMES financing problems. As an independent market economy entity, commercial banks consider profit-maximization as the starting point of its business activities in our country. And they are always in a strong position in cooperation with the SMES business. The performance of the credit rationing phenomenon is particularly prominent. Therefore, only when the commercial banks find profitable business in financing SMES, they can fully mobilize the enthusiasm, and resolve the SMES financing problems. Accordingly, the SMES credit guarantee systems of different structures should be established in accordance with different preferences of banks in different periods. From the viewpoint of commercial banks, the problems in guarantee agencies also needed to be improved, and thereby meet the needs of commercial banks, improve cooperation attitudes to banks, and achieve win-win situation finally. At the same time, the government should shoulder more obligations and responsibilities in supporting the effective functioning of security agencies.

Related Dissertations

  1. Corporate governance structure of listed commercial banks in China to study of the effectiveness of internal control,F830.42
  2. A Study on Risk-oriented Internal Audit Control Evaluation System of Commercial Banks in China,F239.45
  3. The Study on Risk Management of Chinese Commercial Bank,F832.2
  4. A Study on the Innovation of Commercial Banks’ Personal Credit Business,F832.4
  5. Enterprise Risk Management of Commercial Banks in China,F832.2
  6. Commercial Bank Personal Customer Credit Risk Management,F832.2
  7. Commercial Bank branch grassroots marketing execution of Promotion Strategy,F832.2
  8. A Study on the Impact of Commercial Banks Brand Image on Customer Satisfaction,F832.2;F224
  9. Development Strategies of Online Banking in State-Owned Commercial Banks,F832.2
  10. Based on SWOT Analysis Marketing Strategy Huimin Commercial Bank,F832.2
  11. Study on Institutional Changes and Countermeasures of Economic Integration of Central China,F832.33
  12. Study on Employee Career Management in Joint-Stock Commercial Bank,F832.33
  13. Research on Transformation of Local Government Functions in Municipal Commercial Banks,F832.33
  14. Research on Control the Risk of Commercial Banks ’Credit by Law,F832.4
  15. A Study on the Legal Problems of Microfinance of Commercial Banks in China,F832.4
  16. Commercial Bank Legal System of Information Disclosure,D922.281
  17. Personal Housing Loan Risks to Commercial Banks and Legal Protections,F832.4
  18. Research about Impact of Banking Opening-up on Commercial Bank Performance in China,F832.2
  19. Research on the Deepening Property Rights Reform of State-Owned Commercial Banks,F832.1
  20. Governance structure of China's commercial banks impact on business performance,F832.33

CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
© 2012 www.DissertationTopic.Net  Mobile