商业银行对中小企业贷款的问题研究-精选.docVIP

988978 m. UDC 研究強名r 研究生学位论文 商业银行对中小企业贷款 的问题硏究 徐晓峰 指綱姓名：纪建悦副教授 申画驰同等学力申请硕士学位 mm： 金融学 论文gl^u期：2006年6月3日学位授予日期:2006年月 国海洋大学 业银行区别对待中等企业和小企业，根据各自特点分别设置评估指标及指标权重’采 用不同的评估系统对两者进行贷款评估，使评估结果更加客观准确》 关键词：商业银行中小企业贷款风险贷款效益 The research on the problem of the loan from commercial 、 banks to small and medium sized enterprises Abstract Since state-owned banks started to reform, our commercial banks have been insisting on the stategy of “ Top trades. Top enterprises and have got huge success. But the commercial banks have been in trouble with loan because of the development and change of the situation in recent years. Small and medium sized enterprises (SMSE) have created enormous value and they desire loan from the banks very much. Commercial banks should regard them as important customs and give them support in loan. But most banks cannot give up the traditional views. Their view is that the risk and cost of loaning to SMSE is high，so commercial banks only give small part of their loan to SMSE. After comparing the risk and profit between loaning to large-sized enterprises and loaning to SMSE, we point out the misapprehension and what does the true question exist. On the base of summing up the successful experience of both the native and the international banks, we present the solution. The important content of this paper is below: 1, Commercial banks are regarded as the emphasis of analysis in this articIe.The real reason why the loan from commercial banks to SMSE is so difficult is found. The answer is that commercial banks have many problems in the operational view、managing system and technical tools,etc. SMSE is regarded as the emphasis of analysis in recent years. But the emphasis is changed in this article. Through the contrast between the supply that can be provided from banks and the huge demand from SMSE, we can conclude that commercial banks have an absolute advantage. There are many banks having got success in loaning to SMSE. We can believe that the risk of loanin