银行视角下小微企业信贷研讨.docVIP

银行视角下小微企业信贷研讨 A study of small and micro enterprises credit from the perspective of banking The existing problems of bank credit for small and micro enterprises Although most banks for active and steady development of Small and micro businesses loans held positive attitude (Chen Zhongyang, Sanye, Liu Lvke, Guo, 2009), but now the bank in Small and micro businesses credit problems still exist, can be briefly summed up as high cost and risk, Small and micro businesses is the lack of credit mechanism, the product is not enough system etc. the problem. The reason from inside the bank, with the constraints of capital adequacy ratio, the bank for loans to small and medium sized enterprises (Huang Xian, Wu Kebao, tightening in 2009), to cover the Small and micro businesses loans to smaller proportion. On the one hand is due to Small and micro businesses credit, if the use of large and medium-sized enterprises and the loan process, the lending process slightly longer, and the high cost of financing, but the Small and micro businesses short, frequent and urgent, the bank not only cost is high, and the loan period is longer, the Small and micro businesses financing needs not promptly meet; on the other hand, our country lacks developed high quality credit database, which leads not to score standard model of a system, the pricing of credit to small and micro enterprises, but the subjective factors to a great extent depends on the customer manager, which led to the evaluation the credit risk Small and micro businesses are not allowed. In order to reduce the cost of credit, it may lead to the increase of credit risk and the loss of default, so it is an outstanding dilemma to reduce the cost and control risk in the credit of small and micro enterprises. The influence from external reasons, as the financial field of interest rates, Chinas banks are more willing to make loans to large state-owned enterprises repayment rate higher in the very long time, especially for large financia