超越关系型中小企业信贷理论和模式研究.docVIP

Beyond the relationship of small and medium enterprises credit: Theory and model research Medium-sized and small enterprises is the national economic areas of focus, but the credit problem is the focus of attention of the world and difficulty. All the time since, the traditional academic view is that small banks than large banks are more suitable for the financing of small and medium enterprises, but mainly through relationship credit. But in recent years the large international financial / banking institutions in the small and medium-sized enterprise credit has made considerable development, and form different characteristics of the business model, all types of commercial banks have joined the small and medium-sized enterprise credit, and large banks in the scale of products and services have shown relative advantage ( A . De La Torre et al.,2010), whether academic or banking practice, the traditional small bank advantage and its relationship to credit model point of view, has been challenged, and large banks to join, make service supply increases, the corresponding can better solve the problem of financing small and medium enterprises. One, traditional medium and small - sized enterprises credit theory review Berger and Udell (1995) based on the loan decision of different factors of the commercial bank lending technology method is divided into four types: financial statements lending ( financial statement lending ), asset-backed lending ( asset-based lending ), credit scoring ( credit scoring ) and relationship lending ( relationship lending ). The first three types are collectively referred to as transactional lending ( transactions-based lending ), in which they are involved and the dependence of the main is easy to code, quantification and transmission of the hard ( hard information ), such as asset collateral and financial statements. This kind of information is with personality characteristics, with unified standards, less use of direct human contact, but us