中国中小企业开发性贷款的风险控制分析---以国家开发银行为例-risk control analysis of development loan for small and medium - sized enterprises in china - taking the state development bank as an example.docxVIP

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中国中小企业开发性贷款的风险控制分析---以国家开发银行为例-risk control analysis of development loan for small and medium - sized enterprises in china - taking the state development bank as an example.docx

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中国中小企业开发性贷款的风险控制分析---以国家开发银行为例-risk control analysis of development loan for small and medium - sized enterprises in china - taking the state development bank as an example

华中科技大学硕士学位论文华中科技大学硕士学位论文 II II Abstract Since the implementation of the policy of reform and opening up in China, the number of small and medium-sized enterprises (SMEs) has been increasing together with the ever-growing firm size. This makes great contribution to the states tax revenue; on the other hand, more job opportunities are provided. However, due to the restrictions of the policy and the characteristics of SMEs, financing, especially in terms of bank loans, has confronted big limitations. With the outbreak of the subprime crisis in the latter half of 2007, the development of SMEs has been seriously affected, so how to help these enterprises to win development has become a very important issue. As a policy bank to provide financial services, China Development Bank has been committed to provide development loans to support SMEs. Through the analysis of the characteristics of SMEs, conclusions are made that SME loans have higher risks. Therefore, the primary problem of the China Development Bank is how to effectively control these risks to ensure the security and continuity of loans. This paper focuses on research of risk control of development loans of SMEs. On the basis of a clear understanding of the characteristics of and loan status of SMEs, this paper firstly chooses debt solvency and will to repay as the core indicators and makes deep analysis on genuine causes of the risks from the operating and moral aspects. Then, theoretical analyses have been made on risk control of development loans. Model of GM (1,1) , utility analysis and Game between banks and enterprises are respectively used to study operating risk and moral hazard. Based on these analyses, this paper gives operational processes to unify control of operational risks and moral hazard and makes recommendations on the establishment of risk control and warning mechanisms of the SME loans. Finally, suggestions are made on risk control of SME’s development loans. Key Words: Business r