城市商业银行对小微企业关系型贷款定价研究

发布时间：2018-04-23 18:22

本文选题：城市商业银行 + 小微企业　；参考：《浙江大学》2017年硕士论文

【摘要】：在不断变化的金融环境下,小微企业在我国经济中地位和作用不断上升,但小微企业始终面临着巨大的融资压力,这已成为制约小微企业发展的首要瓶颈,小微企业面对经营资金流动性要求高,行业竞争激烈、成本压力大、利润低等共性问题,迫切需要金融机构为其提供各类综合性金融服务;而城市商业银行因其发展定位的特点和内在机制体制的差异化优势,与小微企业金融需求具有高度适合性,本文在分析两者内在契合性基础上,对两者合作的关键要素——定价进行了分析与讨论。首先本文就贷款定价的国内外研究成果以及传统定价方法进行了比较分析,其次阐述关系型贷款理论并提出城市商业银行关系型贷款定价应用的前提条件,最后结合关系型贷款隐性契约和重复谈判的特点,引进关系租金,建立城市商业银行对小微企业的关系型贷款定价模型,并对小微企业在快速成长过程中对城市商业银行的进一步依赖情景而产生的关系租金效应进行实证分析。研究结果支持了关系型贷款定价模型中银企关系可持续性的重要假设前提,进一步说明了关系型贷款定价模型在城市商业银行对小微企业贷款定价运用上的可行性;同时本文还提出城市商业银行使用关系型贷款定价模型时相关机制体制、政策流程及系统建设方面提升与改善的建议,为关系型贷款定价方法在具体业务端落地应用指明了方向。
[Abstract]:In the changing financial environment, the status and role of small and micro enterprises in China's economy is rising, but small and micro enterprises are always facing enormous financing pressure, which has become the primary bottleneck restricting the development of small and micro enterprises. Faced with the common problems of high liquidity, fierce competition, high cost pressure and low profit, small and micro enterprises urgently need financial institutions to provide comprehensive financial services for them. Urban commercial banks, because of their characteristics of development orientation and differential advantages of internal mechanism system, are highly suitable for the financial needs of small and micro enterprises. The paper analyzes and discusses the key element of the cooperation-pricing. Firstly, this paper makes a comparative analysis on the domestic and foreign research results of loan pricing and traditional pricing methods, and then expounds the relational loan theory and puts forward the preconditions for the application of relational loan pricing in urban commercial banks. Finally, according to the characteristics of recessive contract and repeated negotiation of relational loan, the relationship rent is introduced, and the pricing model of relational loan for small and micro enterprises by city commercial banks is established. This paper also makes an empirical analysis of the relationship rent effect caused by the situation of further dependence on urban commercial banks in the rapid growth of small and micro enterprises. The research results support the important assumptions of the relationship sustainability in the relationship loan pricing model, and further illustrate the feasibility of the relationship loan pricing model in the application of the small and micro enterprise loan pricing model in the city commercial banks. At the same time, this paper also puts forward some suggestions on how to promote and improve the system, policy process and system construction of city commercial banks when they use the relational loan pricing model. This paper points out the direction of the relational loan pricing method in the application of specific business end-to-ground application.
【学位授予单位】：浙江大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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