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The Research on Loans to SMEs

Author: GuoYang
Tutor: YuQunE
School: Zhejiang University of Finance
Course: Finance
Keywords: Small and medium-sized banks SMEs Loan guarantees Loan Pricing Lending channel
CLC: F832.4
Type: Master's thesis
Year: 2011
Downloads: 262
Quote: 0
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Abstract


A long time, China's small and medium enterprises with their own operating flexibility, widely distributed, and the high sensitivity of the market is gradually grow up, create GNP growth in employment, technological innovation and industrial restructuring all aspects of economic development have played a huge the role, has become an important part of our national economy, but the development of the road is not smooth, there are many factors restricting its development, it has also become obstacles to hinder China's economic development, financing credit problems by experts and scholars widespread concern; China's small and medium-sized commercial banks are also caught in the large commercial banks and private financial survival, development of small and medium enterprises are closely related, and plays an important role in active financial markets, the development of local economies. So whether it is for the healthy development of small and medium banks, or to help create a better system of cooperation between SMEs and banks, are very pressing issue. On three aspects of the loan guarantees, loan pricing and loan channels for small and medium-sized commercial banks on SME loans research for guiding the establishment of small and medium-sized commercial banks to finance for SMEs and channel relationships in the new theory, research The impact of the use of different types of information the way of lending channels and new theoretical solutions to SME financing difficulties. This paper is divided into five parts. The first part is an introduction and background of this study, literature review and innovation. The second part is the theoretical part of the SME loans, respectively SME credit guarantee theory and foreign SME credit guarantee model, pricing theory and the general pattern of small and medium-sized bank loans and small business loans channel mode of operation to analyze. The third part introduces China's small and medium banks of the status of development of SME loans, loan guarantees, pricing and channel status quo of our current and shortcomings analysis. The fourth part is the the listed SME lending channels empirical analysis, Zhejiang Province listed SMEs sample using factor analysis and logistic regression analysis empirical analysis. The fifth part of the policy recommendations put forward suggestions for improvement, respectively, from the three aspects of the guarantee, optimize the development of the way of loan pricing and loan channels. The main conclusions of this paper in order to solve the small and medium-sized banks lending to SMEs is not enough just from the single aspects warranties, pricing and channel improvements in bank lending to SMEs, only to grasp three aspects to promote the common development of banks and enterprises to find the right path of development to the harmonious development of the healthy development of the practical significance of this paper is that not only can provide realistic guidance for the sustainable development of China's small and medium-sized commercial banks for SME lending business, and can also be provide practical reference for the guarantee model between the small and medium-sized commercial banks and SMEs, pricing and loan channels discriminant how to further standardize the management of small and medium-sized banks lending to SMEs, clear SME lending due diligence requirements for the promotion of small and medium-sized commercial banks and SMEs and promote each other, have important practical significance.

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