我国商业银行在中小企业信贷管理中的问题与对策研究.pdf

Abstract This thesis, from the perspective of commercial banks, starting from the significance of small and medium-sized enterprises (SMEs) to the economy and society of China, especially to commercial banks, integrating the practice of the writer in CCB Huizhou Branch, probes into the problems the commercial banks of China have in terms of SMEs’ credit management and the solutions. The writer of the thesis maintains that the credits management of the commercial banks to SMEs at present, the most crucially, shall focus on the asymmetrical information relationship between banks and enterprises. The thesis uses four information economics models to discuss the reasons for the existing problems. And also, the thesis, according to the logical order for theoretical analysis, from such five aspects as organization system, credit access policy, credit authorization management, risk evaluation management and customer credit evaluation system,