Research on Community Bank and SMEs Relationship Loan
In recent years, studies have shown that the relationship loan could solve the information asymmetry between banks and SMEs, and soft information is the key to the success of relationship loan. Only when SMEs massive soft information is effectively collected, processed and transmitted by bank, the information asymmetry can be fundamentally eliminated. This paper studies the SMEs relationship loan from perspective of community Bank. It shows that community banks have many advantages in collecting, processing and transmissing soft information, compared with the large-scale banks. In addition, this paper also put forward the relevant suggestions to promote the development of relationship loan. It concludes that community bank will provide a new way for SMEs financing.
Community bank Soft information SMEs financing Relationship loan
HU Guohui LIU Lifen
School of Economics, Wuhan University of Technology, P.R.China, 430070
国际会议
2009 International SME Development Forum(2009 中小企业发展国际论坛)
北京
英文
284-288
2009-10-01（万方平台首次上网日期，不代表论文的发表时间）