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A Research of Credit Risk Control Based on the Modern Relationship between Banks and Enterprises from the Perspective of ’Symbiosis’

Author: LinRu
Tutor: ChenDongPing
School: Nanjing Agricultural College
Course: Finance
Keywords: Symbiosis theory Relationship between bank-enterprise Credit risk Affectmechanism
CLC: F832.4
Type: Master's thesis
Year: 2011
Downloads: 40
Quote: 0
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Abstract


In the modern market economy, the survival and development of enterprises are closely linked with the bank credit. Own funds in investment are less and less.Credit capital investment becomes the most important investment way. So commercial bank credit risk control issues have become increasingly prominent, the bank-enterprise relationship is good or not determines the size of the credit risk of commercial bank. Traditional relationship between banks and enterprises, the traditional to the modern relationship of bank-enterprise in transition and modern relation construction times are the three links in the construction of socialist market economy of our country in the trial process. We find that three kinds of bank-enterprise relationship corresponding to the credit risk of commercial bank which cannot be avoided, can be dispersed and can be controlled. So the study of bank-enterprise relationship has strong theoretical significance and guiding significance to crack the commercial bank credit risk control problem. So it is a especially urgent research of the modern commercial banks credit risk control based on the modern relationship of bank-enterprise.Now there are many literatures about credit risk inhibition from the relationship between banks and enterprises with the perspective of banks or enterprises.In fact,bank and enterprise are two indivisible entity.Therefore,the conclusions drawn from the research are not reliable and applicable.This paper tries to use a biological" symbiosis" concept to describe the relationship between banks and enterprises on the impact mechanism of credit risk.The conclusion is that in the era of the planned economy under " laterality intermittent symbiosis" is not conducive to disperse and transfer credit risk. When the economy is in transition period," asymmetric mutual continuity symbiosis" can improve credit risk. But this symbiotic model is not sustainable. In the modern market economy condition, the "mutual symbiotic integration " mode is our pursuit of the ideal state, which is also the most effective channel in reducing credit risk suppression. In this paper, by analyzing the influence mechanism and inhibition effect of different relationship between banks-enterprises to the bank credit risk, put forward a series of corresponding policy proposal, has the certain model significance for commercial banks to control credit risk in theory and practice.

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