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1、Beyondtherelationshipofsmallandmediumenterprisescredit:TheoryandmodelresearchMedium-sizedandsmallenterprisesisthenationaleconomicareasoffocus,butthecreditproblemisthefocusofattentionoftheworldanddifficulty.Allthetimesince,thetraditionalacademicviewisthatsmallbanksthanlargebanksaremoresuitableforthe
2、financingofsmallandmediumenterprises,butmainlythroughrelationshipcredit.Butinrecentyearsthelargeinternationalfinancial/bankinginstitutionsinthesmallandmedium-sizedenterprisecredithasmadeconsiderabledevelopment,andformdifferentcharacteristicsofthebusinessmodel,alltypesofcommercialbankshavejoinedthes
3、mallandmedium-sizedenterprisecredit,andlargebanksinthescaleofproductsandserviceshaveshownrelativeadvantage(A.DeLaTorreetal.,2010),whetheracademicorbankingpractice,thetraditionalsmallbankadvantageanditsrelationshiptocreditmodelpointofview,hasbeenchallenged,andlargebankstojoin,makeservicesupplyincrea
4、ses,thecorrespondingcanbettersolvetheproblemoffinancingsmallandmediumenterprises.One,traditionalmediumandsmall-sizedenterprisescredittheoryreviewBergerandUdell(1995)basedontheloandecisionofdifferentfactorsofthecommercialbanklendingtechnologymethodisdividedintofourtypes:financialstatementslending(fi
5、nancialstatementlending),asset-backedlending(asset-basedlending),creditscoring(creditscoring)andrelationshiplending(relationshiplending).Thefirstthreetypesarecollectivelyreferredtoastransactionallending(transactions-basedlending),inwhichtheyareinvolvedandthedependenceofthemainiseasytocode,quantific
6、ationandtransmissionofthe"hard"(hardinformation),suchasassetcollateralandfinancialstatements.Thiskindofinformationiswithpersonalitycharacteristics,withunifiedstandards,lessuseofdirecthumancontact,butusemorelettersandtelephonecommunicationmeans,soitisalsocalledarms-lengthlending(armslength).Relation
7、shiplendingisdifferent,itreliesmainlyisdifficulttoquantify,inspectionanddelivery"softinformation"(softinformation),whichhasastrongpersonalitytendency,usuallynotfromtheopenmarketaccess,butbycreditmemberthrou
