商业银行小微企业信贷产品创新-研究

商业银行小微企业信贷产品创新-研究

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时间:2019-03-03

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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

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