Loan Pricing of City Commercial Banks for Small Enterprises Based on Relationship-Lending

摘要：

There exists one kind of natural and accrete relationship between city commercial banks and small enterprises. How to establish a sound small business loan pricing mechanism has become a crucial problem confronting city commercial bank. This paper extends research on a commercial banks status quo in pricing its small business loans. The result indicates that this bank mainly emphasizes on risk when pricing small business loans without considering the relationship factor. At last, we propose relationship-lending as the guiding idea for city commercial bank in granting loans to small business, and construct a corresponding relationship lending-based pricing method.

关键词： relationship-lending small enterprise city commercial bank loan pricing

作者: Hong HUANG

作者单位: School of Economics & Management Changsha University of Science & Technology Hunan Province, P.R.China, 410076

会议类型: 国际会议

会议名称: The Second International Conference on Business Intelligence and Financial Engineering(BIFE 2009)(第二届商务智能与金融工程国际会议)

会议地点: 北京

会议语种:英文

页码: 678-681

在线出版日期: 2009-07-24（万方平台首次上网日期，不代表论文的发表时间）