Research On The Technology Of Small And Medium Sized Bank Differential Loan

With the reform of China’s economic system,the market structure of China’s banking industry has changed as well.At present,our country banking industry market competition pattern is:the joint-stock reform of state-owned banks,the joint-stock commercial banks grow,Citigroup,HSBC,Standard Chartered Bank,and other foreign banks influx,urban credit cooperatives merger and reorganization of city commercial banks,the emergence of private banking,investment banking,social area banking,Internet banking and other financial institutions,forming a currently China’s market competition pattern of financial institutions.Small and medium-sized enterprise is the main body of the market economy,is an important driving force for the economic development of our country.By the end of 2014,our country about 4300 million small and medium enterprises,accounted for 99.3% of the total number of enterprises,55.6% of GDP,accounted for 74.7% of industrial added value,revenue accounted for 46.2%,accounting for more than 75% of the jobs.A single channel for SME financing,mainly rely on bank loans,at the same time,because of small and medium-sized enterprises compared in large enterprises without bank loans to improve the financial statements,asset mortgage and other conditions and small and medium-sized enterprises are mostly small in scale,institutions are not perfect,thus becoming China’s financial service entity economic short board,the weakest link.Due to the special urban and rural dual financial structure and east-west development gap,leading to bank loan decision.At the same time,small and medium-sized banks to small and medium-sized firms in different life cycle should be treated differently,because in the declining period of small and medium-sized enterprises is not conducive to the bank and its relationship of long-term development and application in our country small and medium-sized enterprises and small and medium-sized banks to keep close ties of relationship lending technology must in the specific institutional environment to play its due role.At first,this paper analyzes the small and medium-sized banks lending to small and medium-sized enterprises advantage,small banks because of the simple level,geographical advantages,with the cost advantage of production of soft information,so it is suitable for granting relationship lending.But in many areas of the number of small and medium-sized enterprises(SMES),due to the limited small and medium-sized bank loans,facing borrowing needs of small and medium-sized enterprises.Meanwhile,the competition of bank,market changes quickly,the development of relationship lending in this case upfront investment cost and in do not know the development of small and medium-sized enterprises,small and medium-sized banks may choose loan transactions can maximize profits,reduce risk,so small bank advantage is refers to under the specific environment of credit advantage.From the point of view of the small and medium-sized enterprise is based on the analysis of the difference of the financing needs of the formation mechanism from the point of view of life cycle,environmental constraints,credit rationing three angle,the financing needs of SMES in different periods,the environment is with difference,to small and medium-sized banks to better for small and medium-sized enterprises to provide financial services,must according to the characteristics in different periods of small and medium-sized enterprises to provide differentiated financial services.An empirical study of the selected is bank loan data from 2008 to 2013 the Shenzhen SME board listed companies as research samples,the establishment of measurement model,investigation of small and medium-sized banks on loans to small and medium enterprises technology strategy choice.Empirical results show that(1)in the economically developed areas,small and medium-sized banks to the small and medium-sized enterprise loan technology to loan transactions;(2)owes the developed area in the economy,small and medium-sized banks to the small and medium-sized enterprise loan technology in relationship lending based.