工商银行小企业融资成功案例.pdfVIP

解密！工商银行小企业融资成功案例 摘要 本文以国内小企业融资难的情况作为背景，对国内大型商业银行— —工商银行的小企业贷款成功案例做分析，探索融资成功小企业的秘诀 所在。文章首先介绍了中国小企业在银行的融资情况，对小企业融资难 的原因进行了推测。接着通过研究工商银行对申请贷款小企业的硬性及 软性指标的审核，对企业的部分指标进行了量化分析，试图找出可能影 响贷款的因素。再根据获得贷款后某企业在几年内的发展状况，利用杜 邦分析、线性回归等方法，探讨银行融资对企业成长的影响。最后，总 结造成融小企业资失败的内外部原因，为企业提供银行融资的解决方案。 关键词： 小企业贷款、银行融资、担保方式、财务指标 4 WHAT EXPLAINS THE FINANCING SUCCESS OF SMALL BUSINESS AT ICBC? ABSTRACT It is difficult for small and medium enterprises to obtain external financing in China. Small and medium enterprises (SMEs) account for the bulk of loans written at ICBC, which is the largest bank by market capitalization in the domestic market as well as in the global market. We conduct case studies to shed light on the factors underlying the financing success of some SMEs. First, we analyze the general difficulties faced by Chinese SMEs when raising external funds. Second, we elaborate ICBC’s loan requirements and policies that govern loan applications for SMEs. Third, we examine the factors that influence lending decisions. For example, is the assessment of loan application solely based on assets, third party guarantee, or some soft information? We conduct quantitative analysis to investigate possible reasons for successful applications. In 5 particular, using the data for successful SMEs, we perform DuPont Analysis and linear regressions to explore the impact of the financing on their corporate growth. Finally, we summarize the external and internal factors that contribute to the failure of SMEs in obtaining external funds. Some remedies are also suggested. KEY WORDS: small business loan, banking financing, guarantee mode, financial indicators