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The Research on Influence Factors of Smes Financing

Author: ZhangPing
Tutor: LiuRongMao
School: Nanjing Agricultural College
Course: Finance
Keywords: Small and medium-sized enterprises Influence factors Riskmanagement
CLC: F832.4
Type: Master's thesis
Year: 2012
Downloads: 493
Quote: 0
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Abstract


In recent years, under the impact of a series of international financial crisis and the European debt crisis, China’s financial industry experienced an unprecedented and difficult stage. During the second five period, our country puts forward the point of view to develop the small and medium enterprisesvigorously, which is undoubtedly a directionto the development of the commercial bank. However, for commercial banks, whilevigorously expanding SME loan business, weshould fully understand the financing of small and medium-sized enterprises motivation and mode, the characteristics and risk characteristics, from the operational level to find reasonable ways to promote and to promote SME loans business and management, in an effort to increase the rate of return, do pay attention to risk prevention and aversion, the income and risk of balance. In addition, the external competitive pressure down, internal profit driven drive, commercial banks need to accelerate business transformation, and the practice proved that, the level of risk management is able to adapt to the needs of business transformation is the key to the transformation of bank business. This paper mainly studies HX bank loans to small and medium enterprises business risk factors, and then from the case to the general case, put forward to strengthen the SME loan business risk management recommendations.This paper is divided into three parts. First, HX bank loans to small and medium enterprises present situation analysis. The research on the order of HX bank as the research object, mainly from the small and medium-sized enterprise loan business venture involving the two controllable main body, small and medium-sized enterprises and in-depth study of credit bank (see Chapter third). In-depth analysis of the HX bank credit approval of small and medium enterprises the basic situation of the SMEs credit business development present situation. Second, loans to small and medium enterprises-Empirical Analysis of the factors affecting the HX bank credit of small and medium enterprises as an example. The HX bank credit of small and medium enterprises as an example, the random sampling of218HX bank credit approval process relates to the small and medium-sized enterprises of construction, the influence factors of the risk evaluation model, using logistic model for loans to small and medium-sized enterprises empirical analysis (Chapter fourth), the empirical analysis in this paper combining with theoretical analysis method are the results more convincing. Last, this paper has in depth analysis of medium and small enterprises’ loan business risk on the basis of factors, to further strengthen the SME loan business risk management, some suggestions.This paper draws the following conclusions:in the medium and small enterprises’ loan risk factors, SMEs liquidity ratio, rate of return on total assets, business education, business owners, the staff size and age have a positive impact on security situation (i.e. less risk); rate of capital accumulation and enterprises the main book industry or related industry experience with negative effect (i.e. the greater the risk). The study of the small and medium-sized enterprises loan risk factors is the commercial bank financing for SMEs in the process of risk management are important factors for the practice, provides the theoretical basis for relevant research, provide foundation.

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