Study On Controlling Small & Medium Sized Enterprise Loan Risk Of Commercial Bank |
Posted on:2004-10-02 | Degree:Master | Type:Thesis |
Country:China | Candidate:J Y Chen | Full Text:PDF |
GTID:2156360092975957 | Subject:International Trade |
Abstract/Summary: | PDF Full Text Request |
Small&medium sized enterprises are one of the important power on promoting economy development. But in a long period, commercial banks have not put a high value upon the financial requirements of small&medium sized enterprise in China. The commercial banks still use the traditional methods to control loan risks of small&medium sized enterprise. These methods don't suit the small&medium sized enterprises. So the financial requirements of small&medium sized enterprise are not satisfied.The theme of this paper is to study loan risks of small&medium sized enterprise and to design a new project of controlling loan risks of small&medium sized enterprise. The paper is divided into 5 chapters.Chapter one introduces the characteristic of financial requirement of small&medium sized enterprise, the situation of commercial bank supporting small&medium sized enterprises and experience of foreign banks.Chapter two analyzes the relationship between small&medium sized enterprises and commercial banks. It explains the loan risks of small&medium sized enterprise and analyzes credit rationing of commercial banks.Chapter three states the shortage of method that is used to controlling the loan risks of small&medium sized enterprise. It explains that the method contradicts the characteristics of small&medium sized enterprise.Chapter four talks about how commercial banks control the loan risks of the small&medium sized enterprise and then bring forward a project that control loan risks of the small&medium sized enterprise. It is the emphasis of the paper and includes three sections: ﹊mproving the risk evaluating method of banks; (2) designing financial innovation product for the small&medium sized enterprises; ヽreating the credit inquiring system.Chapter six is a supplement for the project. It point out the project depends on a good credit system that is created by society, government and enterprises.
|
Keywords/Search Tags: | Loan risk, Commercial bank, Small&medium sized enterprise, Unmatched information |
PDF Full Text Request |
Related items |