Research On Agile Relationship Lending Of Small Commercial Banks

Small Commercial Banks are an important part of China's financial system and play a positive role in promoting local economic development.In recent years,with the strengthening of China's economic strength and the government's guidance and support,the rapid development of Small Commercial Banks,Some Small Commercial Banks serving small and micro enterprises gradually formed the characteristics of business model through years of practice and exploration,but most Small Commercial Banks failed to break through the traditional business model,the small and micro enterprise financing difficult problem has not been effectively resolved.Although relationship lending can effectively promote Small Commercial Banks to small and micro enterprise financing has been extensively studied,but mainly concentrated in the theoretical and empirical evidence,the lack of practical implementation of concrete measures.The agile relationship lending is aimed at the small bank's comparative advantage and the small and micro enterprise's capital demand characteristic.The research is divided into the following four levels: First,the related theory of bank economics,the formation and development of relationship lending and theories of soft information are briefly described,construction of theoretical basis for the development of agile relationship lending for Small Commercial Banks.Secondly,The necessity of developing agile relationship lending by Small Commercial Banks will be explained from four aspects: macroeconomic policy,financial market environment,the limitations of Small Commercial Banks and the strong capital demand of small and micro enterprises,and the feasibility of offering agile relationship lending is discussed from the point of network and organizational structure of small bank.The development of small bank and its service to small and micro enterprise,the development of small and micro enterprise financing situation and the development of agile relationship lending in our country are introduced,analyzes the restrictive factors of agile relationship lending and the experience of American Community Bank relationship lending to provide the data and practice support for the later research;Third,based on a large number of relevant literatures and practice investigation,this paper constructs the credit risk evaluation system based on the small and micro enterprise and owner-related soft information index system,analyzes the way to obtain the soft information and the method of authenticity identification.The steps of converting qualitative soft information into small and micro enterprise credit rating scores through AHP and FCE are introduced in detail,which makes the banks accurately evaluate the credit status of small and microenterprises by issuing soft information.At last,the author makes a detailed analysis on the external environment of Tai Long Bank,the business model,the risk and the income situation of the agile relationship lending,analyzes the default risk prevention measures of Tai Long Bank,From the optimization of external environment and the optimization of internal governance system of Small Commercial Banks,the author gives the specific countermeasures and suggestions of the Small Commercial Banks issuing agile relationship lending.This paper argues that Small Commercial Banks should develop agile relationship lending to proactively locate small and micro enterprise financing market.Therefore,the credit evaluation index system of small and micro enterprises based on soft information is constructed,and the effective ways and methods of obtaining soft information are introduced in detail.The paper puts forward the countermeasures of developing the agile relationship lending from the optimization of external environment and the optimization of internal governance system of Small Commercial Banks.The important significance is reflected in the promotion of Small Commercial Banks and small and micro enterprise collaborative development,improve the financial market function,promote the Pratt & Whitney finance and coordination of regional economic stability and development.