银行资产规模和中小企业信贷_大银行和小银行比较优势研究_梁笛.pdfVIP

SOUTHEAST AS IAN STUD IE S　　　　　　　　　　　　　　　　2007 3 ——— 梁　笛 * (　 510630) [] ;;; [　] , , 。、 , 。, , , , 。 [] F830.56　　　 [] A　　　　　 [] 1008 - 6099 (2007)03 - 0087 - 05 Scale of B ank A ssets and SM E (Sm all and M ed ium-s ized En terpr ises)C red it — Stud ies on C omparativ e A dvan tages of B ig B ank and Sm all Bank Liang D i (Schoo l of E conom ics, J inan Unive sity, Guangzhou 510630, China) K eyword s:SM E (Sm a ll andM edium-sized En te p ises)C edi,t Scale of Bank A ssets, Re lationship Loan, T an-s action-based Loan Ab stract:This thesis takes a esea ch on the change of SME loan in the sca le expansion of bank assets by ana ly- zing the facto s influencing SME loan.The esea ch has m ade up the v iewpo int that on ly sm a ll bank has o gan iza- tiona l advantages in SME c edit.On the basic esea ch of c ed it m a ket st uc tu e, loan technolog ies and financing fac ilities, the thesis const uc ts a theo e tica l f am ew o k to expla in the diffe ent m ode of loan.The thesis takes the o- pin ion that bank expansion does no t necessa ily lead to difficu lties on SME sfinancing.A s fo SME s, since t ansac- tion-based loan and ela tionship loan com plem en t each othe, they can take m ultip le m odes of financing to pe fect thei financing env i onm ent. 。, 　 , 。, 、 , 。 , 。, 。  , , 。, (C editA va ilability ) 。 * [] 2007 - 03 - 30 [] , 2004 。 “” (:70504001