Research On Cooperative Mode Between IC Bank And IQ Group

Under the tide of today's social market economy,enterprises and banks,as two important economic entities,bear the responsibility to maintain the order of normal financial market development.When enterprises need to expand their development,they need sufficient funds and perfect financial services to support,The demand for banks is diversified.Similarly,banks need companies to bring their own income,the use of deposit and lending spreads,intermediate income and other means to obtain profits.Through bank-enterprise cooperation complement each other to cope with the fierce market competition,so as to strive for more customer resources,banks and enterprises from a simple lending relationship into a comprehensive cooperation of strategic partners.This paper starts from the information asymmetry theory and symbiosis theory to find out the cause and foundation of the cooperation between banks and enterprises,and then draws lessons from the domestic and foreign bank-enterprise cooperation experience to find the bank-enterprise cooperation pattern which is suitable for our country's situation at present stage,and then through the case analysis,Enterprises and cooperation,revealing the shortcomings and problems of the current bank-enterprise cooperation,and finally put forward the suggestions of rationalization,which will clarify the development ideas for the future mode of cooperation between banks and enterprises.The specific contents are as follows:The first chapter is Introduction.Firstly,the background and significance of the topic are introduced.Secondly,the theoretical part systematically summarizes the research situation of the cooperative relationship between banks and enterprises,and makes a brief comment on the relevant theories.The second chapter is the analysis of the theory of the development of banks.First of all,the theory of symbiosis is the main form of bank-enterprise cooperation.Secondly,it elaborates the influence of information asymmetry on banks and enterprises.Because banks and enterprises have different amounts of information,both are aimed at maximizing profits.Will produce conflicts of interest,indicating that there is a symbiotic relationship between banks and enterprises,there are information asymmetry under the conflict of interests.The third chapter is the comparison of the development of the cooperative relationship between banks and banks at home and abroad.To study its unique trajectory,summarize their own characteristics,and compare similarities and differences,and finally summed up for China's current stage of cooperation between banks and enterprises development model.The fourth chapter is the case analysis.This paper expounds the cooperation mode between IC Bank and LQ Group,analyzes the main problems in the cooperation between banks and enterprises from the perspective of bank and enterprise,analyzes and summarizes the existing problems,and analyzes the problems Problem measures and suggestions to make bedding.The fifth chapter is an optimization proposal and opinion on the mode of cooperation between banks and enterprises.First from the bank point of view how to improve the level of credit management,how to carry out product innovation for enterprises to provide a wide range of products and services,and then from the perspective of enterprises on how to improve the profitability of enterprises and improve business integrity,in order to achieve a comprehensive Cooperation.