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The Research on the Small and Medium-sized Enterprises Loans in the Industrial and Commercial Bank of China of Zibo Branch

Author: DongHua
Tutor: HuYue
School: Hebei University of Technology
Course: Business Administration
Keywords: ICBC SMEs Credit Guarantee Risk control
CLC: F832.4
Type: Master's thesis
Year: 2011
Downloads: 139
Quote: 0
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Abstract


Since the reform and opening up, China's small and medium-sized enterprises have been developing rapidly. As a nascent economic force, the role of SMEs in the development of the national economy is becoming more and more significant. At the same time, however, the process of the development of SMEs have encountered many difficulties in financing problem has restricted the better development and growth. To solve such problems, the government has implemented a number of policies, such as to encourage banks to be tilted in SME lending, the People's Bank also provides the lowest proportion of loans that banks loaned to SMEs, but the effect is not very satisfactory. Therefore, the authors based on work practice in 16 years of the Industrial and Commercial Bank, according to the theory of knowledge and research methods in the MBA stage, based on the existing research results from the bank's point of view, the analysis of existing loans to SMEs in the Industrial and Commercial Bank of Zibo City credit system, financing guarantees, loan types, risk control, and other aspects of the problem, and on this basis the specialized agencies of the establishment of SME loans, innovative way of security, simplify the credit process, improve risk control system and other countermeasures to solve SMEs financing problem, look forward to provide a reference for the current SME financing, and the guidance of the day-to-day work. The main content of this paper is as follows: the first part, the introduction of the research background and research significance. The second part of the analysis and demonstration of the the domestic SME financing status quo, and the domestic and foreign banking sector in SME financing business practice and summarized, and then come to a lot to draw on the experience and inspiration. The third part, the analysis of the problems of the existing system, financing guarantees, loan types, risk control the Zibo City Industrial and Commercial Bank of SME loans. Select High-tech Industrial Development Zone, Zibo City, Zibo City Industrial and Commercial Bank SME loan growth in recent years, the trend of decreasing intends to apply for or are in the process of financing business representative 100 SMEs to investigate, analyze its loans, the loans difficult \The fourth part, based on the inquiry and analysis of the many problems that exist in the Zibo City Industrial and Commercial Bank of SME loans, combined with the specific financing environment in Zibo City, Zibo City Industrial and Commercial Bank financing of SMEs on how to resolve the many useful countermeasures and recommendations.

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