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On the Operating Mode of Relational Credit

Author: ZouXia
Tutor: TianQianXi
School: Hunan Agricultural University
Course: Agricultural Extension
Keywords: Relational credit Small and medium-sized banks SMEs Run mode
CLC: F832.4
Type: Master's thesis
Year: 2011
Downloads: 34
Quote: 0
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Abstract


With the rapid development of SMEs, the financing problem gradually aroused great concern; same time after China's accession to the WTO, the financial markets and intensifying competition, new development bank also difficult to be long-term and stable development in the financial markets . The Relational credit can solve these two problems at the same time. Information asymmetry is weakened by long-term cooperation of small and medium enterprises and small and medium-sized banks, but also can reduce the financing costs, and can also improve the competitiveness of small and medium banks. For the sake of China's economic system, domestic for theoretical research and practical application of relational credit should be later than Western countries, the by Western countries relational credit theory analysis, lessons learned, the authors suggest that in the domestic promotion and application. Article relational credit analysis of the theoretical and practical significance. The core content of the article research for of Relational credit problems in the operating mode of the Minsheng Bank. First, from the theoretical level relational credit analysis to describe the article about relates to the relationship between banks and enterprises interaction theory and agency theory, the basic theory behind relational credit mechanism running mode analysis lay the foundation. Based on the theory the author summarizes the characteristics of the relational credit and its comparative advantages different from other credit. Theoretical analysis, the article on the factors affecting the credit relational analysis, to participate in the main analysis of the relationship between the type of credit from a quantitative point of view, through empirical analysis to determine the small and medium-sized banks and small and medium-sized enterprises to participate in the main body of the relational credit. In order to more clearly involved in the relationship between the main text Game Analysis of the main policy analysis, which is running the internal mechanism of the relational credit. Relational credit phased in, in the first stage to take into account the special economic situation of our country, the need for government to set up the establishment of the relationship-based credit guarantee organizations by providing guarantees for small and medium-sized enterprises to reduce the problem of information asymmetry. The second stage is a purely bank-enterprise cooperation. Internal operating mechanism of the relational credit analysis to further determine the scientific nature of the credit. Relational credit Minsheng Bank started earlier, but there are still some problems in the process of applying systematic summary of the problem, and provide the appropriate recommendations to further improve the operation of the relational credit Minsheng Bank.

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