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State Development Bank To Develop Financial Services In The Sme Loan Pricing

Posted on:2006-04-09Degree:MasterType:Thesis
Country:ChinaCandidate:R ChenFull Text:PDF
GTID:2206360152985817Subject:Business Administration
Abstract/Summary:PDF Full Text Request
In the Country Development Bank rules,the China Development Bank is defined as a "development banking organization",with the bank's return to development banking organization of policy, and means that it can't get the allowance. It has to possess marketplace outstanding achievement and the market vitality act on one's own to develop, and initiatively achieve the government target in the way of the market means. This is quite different that kind of passiveness and government allowance means without considering profit. It itself has vitality and its development is energetic, initiative, therefore we call it the development banking organization. We all have been probing into how to meet the middle small-size business loan demand for a long time. Due to the collecting the letter system is insufficiently,many commercial bank in this respect do not behave well often with high harmful loans. Hence, this is an extremely difficult job. As the government development banking organization, the China Development bank starts to possess the obligation to accelerate development in this key economy territory. That means it has to be draw up a proper method to assess and administer risk, in order to achieve community and trade targets. In case of lacking the comprehension of the borrower, there will be the problems related to the loans to middle and small business. And the only way is combining one kind of credit culture with the valid loan pattern. How to establish a valid loan pattern? The rightful loan price is the significant hoop to establish the valid loan pattern. However, The loan pricing as to the domestic bank, especially policy bank, is still staying in a rudiment phase because of he inner administration mechanism and marketplace degree of bank which is shown particularly in historical data storehouse. So it becomes a great abstraction to the scientific knowledge of formulation loan prices. The paper aims at ,by means of establishing one loan price pattern fit for current phase actual situation of the Development Bank,showing the bank operating cost, risk controlling, rightful profit along with correlation display the loan interest rate. The index that the paper chooses Is obtained by means of administering the department investigation to the Development Bank credit, In order to find out the element trotting loan price most. Meanwhile, it combines the available data message treatment capability with the credit administration capabilities of the Development Bank. The final date and results are also checked by some credit personnel staff, finally the loan float rate is also in a reasonable scope,basically display the policies. Meanwhile problems of Security and ability of getting profits are also resolved.
Keywords/Search Tags:Country Development Bank, Development banking, Loan price, The middle and small business
PDF Full Text Request
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