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Study On Controlling Small & Medium Sized Enterprise Loan Risk Of Commercial Bank

Posted on:2004-10-02Degree:MasterType:Thesis
Country:ChinaCandidate:J Y ChenFull Text:PDF
GTID:2156360092975957Subject: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
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