商业银行中小企业贷款解决方案的研究-工商管理专业论文.docxVIP

PAGE PAGE 8 The Research of The Solution for Commercial bank loans to SMEs ABSTRACT SMEs are the major force of Chinas economic development, but the lack of development funds, lack of financing is an important factor causing mortality of SMEs, but also caused great waste of social resources. In contrast, Chinas commercial banks despite the large amount of money, but unwilling to lend to SMEs. The reason is risk, information asymmetry. How to encourage commercial banks to lend to SMEs to obtain much-needed funds; how to benchmark interest rates for SMEs with relatively high price of some of the right to use to obtain bank financing. We urgently need an effective credit risk management system to control credit risk while the banks with relatively high interest rates to compensate for expected risk. Firstly, through macro-analysis, examples of interpretation both small business loans in China are introduced. Secondly, market positioning, marketing models, risk analysis, risk management, four aspects of the current mainstream of small business loans solutions. Then, introducing the characteristics of credit risk models and credit risk through the model case illustrates the practical application of the commercial banks. Finally, the combination of learning theory and the pricing of credit risk model knowledge for SME lending and pricing analysis. Commercial Bank of China practice and its theoretical explorations pricing path sum, sum up and put forward their own solutions. Through research, aimed at Chinese commercial banks lending to SMEs to establish a scientific and reasonable solution to provide some inspiration to achieve innovation and development. Key Words: Commercial bank, SME lending, Credit Risk Model, Pricing 上海交通大学 学位论文原创性声明 本人郑重声明:所呈交的学位论文，是本人在导师的指导下， 独立进行研究工作所取得的成果。除文中已经注明引用的内容外， 本论文不包含任何其他个人或集体已经发表或撰写过的作品成果。 对本文的研究做出重要贡献的个人和集体，均己在文中以明确方式 标明。本人完全意识到本声明的法律结果由本人承担。 学…也末句 日期: ..20/0 年 E 月 15 日 3 上海交通大学 学位论文版权使用授权书 本学位论文作者完全了解学校有关保留、使用学位论文的规定， 同意学校保留并向国家有关