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A Study On Small And Micro-sized Enterprise Credit Of Commercial Banks From The Perspective Of Inclusive Finance

Posted on:2018-09-03Degree:MasterType:Thesis
Country:ChinaCandidate:S M ChenFull Text:PDF
GTID:2359330518968484Subject:Applied Economics
Abstract/Summary:PDF Full Text Request
Facing the complicated economic situation at home and abroad,public entrepreneurship will become the new growth momentum of Chinese economy.However,small and micro enterprises are facing great capital shortage while making great contributions to Chinese economic growth and increasing employment.The inclusive finance was listed as the key topic at G20 in 2016,and the digital inclusive financial new concept was proposed,so the credit issue of small and micro enterprises became a hotspot again under this backdrop.This paper further study the existing problems of commercial bank small and micro enterprises' credit in the new situation based on the background of digital inclusive finance.This paper deeply analyzes the problems existing in the promotion of inclusive finance in China from the current development situation of inclusive finance.It found that the prominent problem in the promotion process of inclusive financial is that,with the promotion of infrastructure,its utilization rate is declining,and the effective demand of the credit main body is insufficient.Therefore,this paper researches the current credit situation of commercial banks small and micro businesses in Henan province by questionnaire investigation,interview and questionnaire data on a variety of methods quantitative analysis based on the challenges of inclusive finance under this background.This paper measures the demand for bank credit of small and micro enterprises and draws insufficient effective demand for bank credit of small and micro enterprises by collecting many dates about understanding the policy of the small micro-enterprise funding shortages the frequency of financing channels and small micro-enterprises on commercial banks and credit needs.Through related analyzing the influence factor of credit demand and credit grudging behavior of small and micro enterprises,it can conclude that commercial banks do not pay attention to the collection of "soft information" in the process of approving small and micro enterprise qualification.Through analyzing the factors of credit behavior of small micro-enterprises,it can conclude that the credit problem of commercial banks cannot only analyze the internal and external needs of small and micro enterprises,but also analysis Subjective and objective aspects of the credit demand of small micro-owners and the business philosophy of commercial banks.Finally,this paper makes recommendations on these issues from the government,commercial banks and enterprises of these three angles.The conclusions drawn from the above studies are: Firstly,the commercial banks should establish the concept of inclusive finance as the core;make the business philosophy into policies and mechanisms,and constantly improve their own mode of operation and the combination of modern technology tools to their own business concept to finally present on the form of product and service.Secondly,small and micro enterprises improve their own sense of integrity while establish a long-term interaction with the bank mechanism to achieve the goal of "cooperation,win-win" advocated by inclusive finance.Thirdly,the government should carry out inclusive financial literacy and education in a phased manner and make the top-level design provide a good environment for the development of commercial banks small and micro credit.
Keywords/Search Tags:Inclusive Finance, Small and Micro Enterprise Credit, Commercial Bank
PDF Full Text Request
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