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Whenitcomestoadjustingandperfectingtheind

2、ustrialstructure，increasingjobsandpromotingtheurbanization,theSMEsplayanessentialroleandmakeagreatcontributiontotheeconomyandsociety．ThedevelopmentoftheSMEsissupportedbyspecificpoliciesproposedduringthe18thCPCnationalcongress．However,italsoconfrontsaseriesoffinancingproblemsforalongtime，sucha

3、sbankfinancingwhichhasbecometheessentialfactortolimitsustainabledevelopmentofSMEs．Besides，谢mtheimprovementofChinesefinancialsystemandtheincreasinglyfiercecompetitionamongcommercialbanks，thepotentialSMEshavebecomethemaincriticalpotentialmarketforbanks．Ithas110doubtthatcommercialbankswillmaketh

4、ecreditproductinnovationfortheSMEs，becausetheSMEsfinancinghasitsspecialcharacterswhoseneedscan’tbesatisfiedbythetraditionalcreditproducts．Inviewoftheabovebackground,basedonfmancialinnovationtheory,informationasymmetrytheory,creditrationingtheory,andthetheoryoffmanciallifecycleofthefirm，thethe

5、sisanalysissystematicallyanalyzesthecreditproductioninnovationforSMEsofcommercialbanksfromtheperspectiveoffinancialinnovationwiththeLiteratureanalysis，surveyresearchanalysis，learningexperienceanalysisandotherresearchmethods．Thethesisfirstlystudiestherelatedliteratureathomeandabroad,definesthe

6、relatedconceptofcreditproductinnovationforSMEsofthecommercialbanksandanalyzesitsnecessity,andthensummarizesrelevanttheories．ThroughtheanalysisofthepresentsituationofthecreditproductinnovationforthesmallandmicroenterprisesofthecommercialbankinOurcountry,thethesispointsoutsomeproblems，forexampl

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