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The Credit Analysis of Commercial Banks to Small and Medium-sized Enterprises in Credit Loan-with RM Shoemaking Manufacturer Case Study

Author: YangGang
Tutor: DengGuangJun
School: University of Electronic Science and Technology
Course:
Keywords: Small and Medium Enterprises Commercial Bank Credit Loans CreditRationing Risk management
CLC: F832.4
Type: Master's thesis
Year: 2012
Downloads: 4
Quote: 0
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Abstract


Financing problem is a main obstacle for the further development of small andmedium enterprises (SMEs). The reasons why this common problem is not easy to besolved are followed: Firstly, SMEs are limited by itself, such as its size, managementand technology. When the banks loan the money to the SMEs, they have to bear morecredit risk. Secondly, Due to the information asymmetry, banks knows so little aboutwhat the condition of industry status, the management, the financial position, marketshares, the products as well as the financial behavior are of SMEs that they are not ableto make the effective risk measurement,assessment, and management. At last, SMEslack of the sufficient Mortgages and guarantees is another key reason. All of these leadto commercial banks take a tight and rationing strategy to SMEs on loans. However,with the development of China’s market economy, SMEs are playing active andimportant roles in solving social employment problem, improving GDP growth andexports increase, promoting industry innovation and tax increase aspects. SEMs hasbecame the important pillar of our economic development and social stability. Inaddition, Numbers of SEMs possess the ability of innovation, the realization of businessstrategy and the standardized management, banks should concern and help them more.Beginning with analyzes the borrower’s qualities, ability, capital structure,mortgage and insurance which are the five aspects of the investigation of bank loan, thisarticle analysis the financing capacity of SMEs. The conclusion is that when banks arescreening the excel SMEs customers they should pay special attention to the quality andcapacity of the people who are in charge of the SEMs. Because that this are able to helpthem reduce the risk of default. In this article, we build a theoretical model to examinewhether the quality and the ability of entrepreneur could help in reducing the risk oninvestment to SMEs. We find that the excellent entrepreneur who come with highquality and the realization of business strategy (we call it their ability) indeed reduce therisk of running their enterprises, thus banks could lower the credit rationing constraintfor them. This provide a new theoretical support for the banks to offer loan to the excelSMEs. At last, this article start with the the financial cases of the shoe corporation RM, wetake the quality and the ability of entrepreneur into consideration. We could draw thatthe charge of RM equip with acute market insight, strategic planning andimplementation, which are the advantages bank will attach importance to. Further more,this article analyses RM market power, mortgage, capital structure and competition. Theresult is that RM is worth loan. The followed inspection of loan shows us RM possessesgood credit record so that it is right decision to offer money to RM. The theory and casestudies of this article provide the banks offering loans to SMEs with theoretical and casesupports.

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