| dc.description.abstract | Small and Medium Enterprises (SMEs) drive our economic development an important force, but financial institutions and SMEs, always at the contradictions to strike a balance. The SME financing difficulties, the bank also said that SMEs operating high risks and low profits. At the end of December 2006, the bank lending to SMEs nearly 60% of the overall balance between the public from the seven banks Unit contribution, most policy elements situation is evident.
This paper mainly on the domestic commercial banking operations, undertook the SME Credit exploring the credit risk transfer, period will be able to use business undertook way to reduce credit risk and, with the support of Credit Asset Securitization to limber assets, lowering the cost of capital, but also increase revenues, improve bank credit for SMEs to do business aspirations. And learn from the American Small Business Administration loan debt securities, promised the near future to develop our SMEs claim asset securitization. This paper also suggests that financial asset securitization advantages and disadvantages, Only internal rating company of the SMEs on how to conduct a professional rating, and so on, we can only wait and see.
The New Basel Capital Accord is bound to affect the implementation of the banks with capital provided on the Credit deportment. More seriously. SMEs and low financial transparency, SMEs in the future tax saving and financing to strike a balance between banks and SMEs how to reduce the credit risk, will be a major topic sincerely hope the follow-up researchers do more in-depth research. | en_US |