商业银行小微企业信贷产品创新-研究

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1、万方数据ResearchonCreditProductInnovationforSmallandMicroEnterprisesofCommercialBanksAbstractThesmallandmicroenterprises(SMEs)playanimportantroleinthesocialistmarketeconomy,whichhavethecharactersoflargequantities．widedistribution,varioustypes，andstrong呐匝i何Whenitcomestoadjustingandperfectingtheindus

2、trialstructure，increasingjobsandpromotingtheurbanization,theSMEsplayanessentialroleandmakeagreatcontributiontotheeconomyandsociety．ThedevelopmentoftheSMEsissupportedbyspecificpoliciesproposedduringthe18thCPCnationalcongress．However,italsoconfrontsaseriesoffinancingproblemsforalongtime，suchasban

3、kfinancingwhichhasbecometheessentialfactortolimitsustainabledevelopmentofSMEs．Besides，谢mtheimprovementofChinesefinancialsystemandtheincreasinglyfiercecompetitionamongcommercialbanks，thepotentialSMEshavebecomethemaincriticalpotentialmarketforbanks．Ithas110doubtthatcommercialbankswillmakethecredi

4、tproductinnovationfortheSMEs，becausetheSMEsfinancinghasitsspecialcharacterswhoseneedscan’tbesatisfiedbythetraditionalcreditproducts．Inviewoftheabovebackground,basedonfmancialinnovationtheory,informationasymmetrytheory,creditrationingtheory,andthetheoryoffmanciallifecycleofthefirm，thethesisanaly

5、sissystematicallyanalyzesthecreditproductioninnovationforSMEsofcommercialbanksfromtheperspectiveoffinancialinnovationwiththeLiteratureanalysis，surveyresearchanalysis，learningexperienceanalysisandotherresearchmethods．Thethesisfirstlystudiestherelatedliteratureathomeandabroad,definestherelatedcon

6、ceptofcreditproductinnovationforSMEsofthecommercialbanksandanalyzesitsnecessity,andthensummarizesrelevanttheories．ThroughtheanalysisofthepresentsituationofthecreditproductinnovationforthesmallandmicroenterprisesofthecommercialbankinOurcountry,thethesispointsoutsomeproblems，forexample，thecreditp

7、roductsforSMEshaveserioushomogeneity,theriskpreventionmechanismisimperfect,thepricingpoweroftheinnovativeproductII万方数据Abstractisinsufficient,theserviceandguaranteesystemisdefective，italsoanalyzesthecausesoftheseproblems．Onthebasis