基于关系型贷款的大银行对小企业的贷款定价研究

发布时间：2018-03-01 00:34

本文关键词： 关系型贷款大银行小企业贷款定价　出处：《中南大学》2008年硕士论文　论文类型：学位论文

【摘要】： 随着我国金融行业全面开放,国有大型商业银行面临着越来越激烈的市场竞争,其生存与发展受到严峻的挑战。进一步,大银行的传统客户——大中型企业的议价能力越来越强,“脱媒”现象严重,不断压缩银行的利润空间。大银行急需开辟新的利润增长点及稳定的收入来源。与此同时,在我国经济中地位和作用不断增强的小企业却面临着巨大的融资困境,亟需大银行提供包括融资、结算、理财、投行顾问、电子银行、银行卡等业务的综合金融服务。正是基于以上背景,本文试图找到大银行与小企业的有机结合点,实现银企双赢的局面——大银行开拓了小企业客户和市场,为未来发展培养忠诚的、有潜力的稳定客户群;小企业借助大银行的综合金融服务实现蓬勃发展。本文首先借鉴金融中介理论和小企业金融成长理论,深入分析大银行和小企业的共生关系,找到大银行与小企业的最佳结合路径——关系型贷款。这是符合我国实际情况,实现银企双赢的可持续发展之路。其次,在分析现行贷款定价模型对小企业关系型贷款定价适用性的基础上,结合关系型贷款的隐性契约和重复谈判的特点,建立了合理分配关系租金收益,实现利润跨期补偿的关系型贷款定价模型。再次,结合我国实际,实证测算了我国某大银行的关系租金收益。并运用具体案例演示了关系型贷款定价模型的定价过程,测算了银企关系对贷款利率的影响;最后,本文从战略转变、业务经营策略和技术支持三个层面,提出了大银行为有效开拓小企业关系型贷款业务,灵活应用关系型贷款定价模型的配套措施。
[Abstract]:With the overall opening of the financial industry in China, large state-owned commercial banks are facing more and more fierce market competition, and their survival and development are facing severe challenges. The bargaining power of large and medium-sized enterprises is becoming stronger and stronger, and the phenomenon of "disintermediation" is becoming more and more serious, which constantly compacts the profit space of banks. Large banks urgently need to open up new profit growth points and stable revenue sources. The small enterprises, whose status and role are increasing in our economy, are facing a huge financing dilemma. It is urgent for the large banks to provide comprehensive financial services including financing, settlement, financial management, investment banking advisers, electronic banking, bank cards and so on. Based on the above background, this paper tries to find the organic combination of big banks and small enterprises, and realize the win-win situation of banks and enterprises-big banks open up customers and markets of small enterprises, and train loyal and potential stable customer groups for future development. Small enterprises with the help of the comprehensive financial services of large banks to achieve vigorous development. This paper first uses the theory of financial intermediation and the theory of financial growth of small enterprises for reference, analyzes the symbiotic relationship between large banks and small enterprises in depth, and finds out the best combination path of large banks and small enterprises-relational loans. This is in line with the actual situation in our country. Secondly, on the basis of analyzing the applicability of the current loan pricing model to the relationship loan pricing of small enterprises, combined with the characteristics of recessive contract and repeated negotiation of relational loan, The relationship loan pricing model with reasonable distribution of rent income and inter-period compensation of profits is established. Thirdly, combining with the reality of our country, This paper empirically calculates the relationship rent income of a big bank in China, and demonstrates the pricing process of the relationship loan pricing model by using a specific case, and calculates the influence of the relationship between banks and enterprises on the loan interest rate. In order to effectively develop the relationship loan business of small enterprises, the matching measures of flexible application of relational loan pricing model in large banks are put forward in terms of business management strategy and technical support.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2008
【分类号】：F832.4

【引证文献】