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1、ResearchonCreditRiskManagementofSmallandMicroEnterprisesBasedonIndustrialClusterAbstractResearchonCreditRiskManagementofSmallandMicroEnterprisesBasedonIndustrialCluster——ACaseStudyofCMBCAbstractSmallandmicroenterprises(SMenterprises)areanimportantforceinChina’seconom
2、icandsocialdevelopment,buttheproblemoffinancingdifficultyhasalwaysheldbackthedevelopmentofthem.Bankcredit,asthemajoraccesstocapital,isaccordingtobecomethefocusofsolvingthedifficulties.Creditriskmanagementisthecorecontentofmoderncommercialbankmanagement,andthelevelofi
3、tisdirectlyrelatedtothesuccessofthecommercialbanks’operation.Asspecialbusinessesofoperatingfinancialassetsandfinancialliabilities,theobjectiveofcommercialbanksistopursuetheinterests,whiletheuncertaintyofmicroandsmallenterprises’creditmarketisverystrong,thusitisofhigh
4、risktocarryoutcreditloanofsmallandmicroenterprises.Inordertostudythecreditriskofcommercialbanks,toexploretheapproachtocontrolandmanagethecreditriskofsmallandmicroenterprises,thispapercombineswiththedevelopmentofindustrialclusterandSMenterprises,combstheliteratureofcr
5、editriskmanagementandtheindustrialclustercredit,choosesCMBCasthecasestudyof“theorytoreality”transformation.Inordertomanagesmallandmicroenterprisescreditcustomerseffectively,CMBCestablishesawiderangeofurbancommercialcooperatives;inordertosolvetheproblemofinformationas
6、ymmetryanddiseconomiesofscale,CMBCputeffortstobuildspecializedsmallandmicrofinancialbranches,thekeyindexesofwhichshowtheaggregationeffect.OnthebasisofresearchingtheSMenterprises’financialservicesmodelandcreditriskmanagementsystemofCMBC,thisstudyselectsspandexindustry
7、clustersofJingangTownofZhangJiaGangandagriculturaldistrictofSuzhouStoriesastheexamplesofaxletypeofindustrialclustersandflexiblespecializationmoderespectively,exploresCMBC’screditriskmanagementofsmallandmicroenterprisesindifferentclustermodels.Byreferringtoandthinking
8、aboutCMBC’sdistinctivecreditriskAbstractResearchonCreditRiskManagementofSmallandMicroEnterprisesBasedonIndustrialClustermanagement,
