资源描述：
《商业银行对民营中小企业贷款风险规避》由会员上传分享，免费在线阅读，更多相关内容在行业资料-天天文库。
1、五邑大学硕士学位论文商业银行对民营中小企业贷款风险规避姓名：王琦申请学位级别：硕士专业：管理科学与工程指导教师：林健20050501五邑大学硕士学位论文AbstractPrivate-runenterpriseshaveplayedveryimportantrolesinourcountry,buttheyhavetofacesomedifficulties.Oneofthemisaboutfinancing.Private-runenterprisesprovidealotsjobopportunities,sothatitisverysignificanttosolvetheproblem
2、thathowprivate-runenterprisescangetfund.Itnotonlyhelpsprivate-runenterprisesdevelop,butalsoimproveourcountry’scompetitionforce.Bankisveryimportantinoureconomyandlife.Butatpresent,almostallofbankhavethetroubles,highratioofnon-performingloans,under-capitalized,badcorporategovernance,badearnings,etc.on
3、eofreasonthatcausestheproblemsisthatbankcan’tcontrolloanrisk.Ifwecansolvetheproblemefficiently,wecanseethatcashwillflowfrombanktoenterprisesthatcantakehighprofit.Thethesisiscompletedaccordingtothefollowingsteps.First,itadvancesaproblem,thenanalysestheproblem,third,solvestheproblemusingamethod,forth,
4、provesthemethod,atlastsuggestssomepolicies.Atfirst,thethesissummarizesandanalysesthemethodofbankadversingrisks.Insuccession,itexplainswhysmallenterprisesarehardtogetmoneyfrombank.Then,usinggametheoryfrominformationpointofview,itexplainsthereasonswhybankdonotwantloanmoneytosmallenterprises.Theresulti
5、srationalchoiceofbothsides.Inshortterm,thatisNashequilibrium.itdisposesthatthesourceoftheriskthatbankloanstosmallenterpriseisinformationbadlyasymmetry.Relationshiplendingcansolveinformationasymmetry,soitgetstheconclusionthatrelationshiplendingcansolvetheproblem.Theconclusionisprovedintwoway.Oneistoc
6、omparerelationshiplendingwithotherlending,andfindthatrelationshiplendinghavemoreadvantageandsuitable.TheotherwayistoprovethatthereisKreps-Wilsonequilibriumpointbygametheory.Relationshiplendinghassmallbankadvantageandbanksystemofourcountrydon’ttakerelationshipadvantage.Sofinallythethesisputsforwardba
7、nkreconstructandotherpolicysuggestion.KEYWORDS:PRIVATE-RUNSMALLENTERPRISE,BANK,RELATIONSHIPLENDING,INFORMATION4五邑大学硕士学位论文第一章绪论1．1研究背景改革开放26年来，民营经济有了长足的发展，从社会主义市场经济的有益补充，到社会主义市场经济的有机组成部分，可见，民营经济在我们的经济中
