A Study On Strategic Loan Management In Small-medium Enterprise

In the developing process of enterprises, with the more extremely competitive external environment and the tighter monetary policy, the stratagem and strategic loan management (SLM) of small-medium enterprise (SME) become more and more important.Based on the theory of SLM, integrating with the characteristic and practice of the loan control in JHJ Company, one small-medium size enterprise, the thesis trying to explore how to make an enterprise realize an effective, practicable and workable model of SLM, introducing step by step the ways and concepts of modern loan management.The thesis includes six parts:(1) General introduction on the background, basic thought and structure of this thesis.(2) Introduction of the current situation of SME and the necessity to carry out SLM. To analyze the SLM theory and the relative theory frame, also make a clearly statement of the distinctness between traditional loan management and SLM, including the analysis tools and method of SLM.(3) Describing the organizational structure of JHJ Company and its influence on SLM, analyzing the advantages and disadvantages of the company's business and product strategies, and current loan policy.(4) Feasibility study on carrying out SLM in JHJ Company by analysis on the company's business mode, value chain, inner strength & weakness and outer opportunity & thread.(5) How to plan and execute SLM in JHJ Company. This chapter mainly discusses the way of application and practice of SLM in JHJ Company through improved the company's organizational structure and business mode, also, analyzes the main problem of SLM, probes the possibility of creative way of SLM.The conclusion of the thesis expounds the essential factors of carrying out the SLM in SME. The thesis makes a series of theory and empirical analysis around with loan control and enterprise competition. Combined with analysis of a concrete enterprise, JHJ Company's organizational structure and mode of loan management, with methods of business mode analysis and value chain analysis, the thesis also describes some model of SLM.Due to most of the support information of the thesis only comes from JHJ Company, that is the biggest limitation of the thesis, and this limitation may cause some conclusion in the thesis to be not typical.