Dissertation > Excellent graduate degree dissertation topics show

Study on Credit Support to Small&Medium Enterprises of China Construction Bank Jining Branch

Author: ChenWei
Tutor: HuZhengMing
School: Shandong University
Course: Business Administration
Keywords: commercial banks SMEs credit portfolio
CLC: F832.42
Type: Master's thesis
Year: 2012
Downloads: 86
Quote: 0
Read: Download Dissertation

Abstract


Currently, in national economic development Small&Medium-sized Enterprises is becoming increasingly important, and has become one of the most active forces, and is a new growth point. At the same time SMEs also plays a booster engine role. Meanwhile, under the pressure of continious new improving profits, banks have to face high-quality Small and Medium-sized customers of the potential SMEs as a new profit growth point. However, the number of SMEs is large. And SMEs include large industries being both good and bad. Taking the risk into consideration, banks are very careful when doing business, so support is not strong.In recent years, government has repeatedly stressed to strengthen support for SMEs, the Banking Council has also asked commercial banks to develop credit policies for SMEs to increase support, so the banks need to increase research for SMEs to develop appropriate credit support programs, as soon as possible to solve the financing difficuties of SMEs. In the past, Jining CCB focused on large enterprises; and in recent years, we have gradually supported SMEs development, but business is slow, because there are more problems. It needs urgently to carry out special studies and propose a solution.This paper analyzes the SMEs financing market of Jining City in detail, applying market segmentation theories, comprehensive risk management theories, SMEs financing theories, and using interviews, literature reviews, comparative analyses, summary, theory with practice and other methods, and combines with the Jining CCB requirements of SMEs business development. And we presented the credit support idea "Some industries, customers need support, access, and some industries, customers need to control, exit; high-risk customers need to equip with low-risk products, low-risk customers need to provide with comprehensive products and services; different risk products require different business profits to achieve effective risk coverage ".The paper’s innovations is that on this basis, we designed the credit support program "customer-product portfolio management, customer-pricing portfolio management, customer-product-multi-dimensional portfolio management", according to the principles of "discrimination, advance and retreat"combinating with market segmentation, customer credit rating, products risk classification. This paper is divided into six chapters. In chapter1, it is introduction. In chapter2, it reviews the relevant theories. It introduces and analyzes market segmentation theories, comprehensive risk management theories and SMEs financing theories. In chapter3, it is the support situation of Jining CCB for SMEs, and analyzes the main problems of current credit support. In chapter4, it is the design of Jining CCB for SMEs credit portfolio, and put forward specific support programs. In Chapter5, it puts forward to preconditions for Jining CCB SMEs credit portfolio’s implementation and effective assurance measures. In chapter6, it includes conclusions and outlook.

Related Dissertations

  1. Private Equity Financing of X Fine Chemical Co., Ltd.,F426.7
  2. The Research on the Legal Issues of Green-Credit Policy,D922.68;F832.4
  3. Research on risk aversion high-tech SMEs,F276.44
  4. Research on Financing of Small and Medium-siaed Enterprise in the West of China,F276.3
  5. JS Bank Operation Risk Management Research,F832.2
  6. The Market Positioning Research of China’s City Commercial Banks,F832.33
  7. Industrial and Commercial Bank of China branch of Yancheng Pavilion Lake Research personal customer relationship management,F832.2
  8. Research of Chinese City Commercial Banks’ Cost Efficiency Based on Data Envelopment Analysis,F224
  9. A Study on Encentive Effects of Private SMEs’Key Employees,F276.5
  10. A Study on Risk-oriented Internal Audit Control Evaluation System of Commercial Banks in China,F239.45
  11. Study on the Staff Turnover of State-owned Commercial Bank and Countermeasures,F832.2
  12. Research on the Correlation between Intellectual Capital and Growth of SMEs,F224
  13. Research on the Credit Risk Management of Mortgage-backed Securitization under Subprime Crisis,F832.4;F293.3
  14. On Introducing Foreign Investment Effect of China’s Commercial Banks,F224
  15. Analysis on the Impact of Venture Capital for SMEs in the Process of IPO,F276.3;F224
  16. The Applying of Activity-Based Costing in the Jiangsu Branch of Bank Research Huai’an,F830.42
  17. NJ Bank Operational Risk Prevention and Control Research,F832.2
  18. A Study on Commercial Banks of Efficiency and Its Effect Factors in China Based on DEA,F832.33
  19. Research on GEM Financing Problem of SME in Shandong Province,F272
  20. Research on Corporate Governance Mechanism Based on Listed Commercial Banks,F832.33
  21. The Research of Financing System for Innovative SMEs,F276.3

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