A Study On The Model Of The Loan For The Small Enterprise

The small enterprise is the important part of human social and economic life .Along with the further study of small enterprise, its development is paid widespread attention of all communities. All levels of the government also release the policies and measures to support small enterprise's development.The scale of small enterprise is generally small. One of important restrictive factors is the fund shortage in the developing process of the small enterprise. How the small enterprise financing becomes the hot spot which the society pays attention. Especially in current Central Bank is exercising a strict currency policy, and the whole world is undergoing"the Wall Street financial crisis", so the living environment of small enterprise is very bad .Through profiting from some existing development pattern and according to practical situation, I try to construct the small enterprise loan pattern and explore the feasibility of small enterprise loan in a practical manner. By this way, my study will be with certain practical significance.Through choosing the small shoemaking related enterprise in the Lady Shoe Center of China (LSCC) Industrial Park for the object of study, my research will be more target-oriented and be useful for the exploration of solving this actual problem.lt precisely is why I write my papers.Through studying the existing the theory of network growth and small business loan, investigating the related department of administrative commission and some shoemaking enterprise in LSCC industrial park and according to current finance development ,this paper initially constructed the general small enterprise loan pattern and the small enterprise loan pattern with multiplier effect.From these research ,this paper studied the existing the theory of network growth and small business loan, established the loan pattern and realized the bank providing the loan for the small shoemaking enterprise by integrating superiority of related department of administrative commission in LSCC industrial park, bank, bonding company and enterprise.This paper contains five chapters. Chapter 1 elaborates the background and significance of the topic, reviews the theory of small business loan, introduces research ideas, methods and innovation. Chapter 2, firstly, introduces small enterprise's definition and the classification, limits the object of study. Secondly, outlines the small enterprise in LSCC industrial park. Finally, elaborates small enterprise's importance by analyzing the contribution in the economic development, the social development, the advance in technology and raising entrepreneur and entrepreneurial spirit aspects. Chapter 3, Firstly analyzes the small shoemaking enterprise's competitive advantage in the network environment and the modular environment and the relations among enterprises. Secondly elaborates the small shoemaking enterprise's superiority in the loan aspect, understands the small shoemaking enterprise's development superiority. Chapter 4, firstly analyzes the whole superiority and insufficient of shoe industry's development in LSCC industrial park .Secondly elaborates the small enterprise's flaw and present fund situation. Thirdly analyzes the financial limits in small enterprise loan aspect. Finally elaborates other difficulties which the small shoemaking enterprise faces present. Through the analysis above, clearly realizes the single small enterprise loan's risk, as well as the bank application loan's flaw, the bank's implicit cost in developing the small enterprise loan and now the small enterprise's bad survival environment and so on. More supports from Control Section are needed for small enterprise's fast development and for loan pattern innovation. Chapter 5, taking the present bank providing loan to single small enterprise pattern as the comparison foundation, using the existing advantageous resources and integrating superiority of Control Section of administrative commission in LSCC industrial park, bank, bonding company and enterprise, this paper construct of small enterprise loan. Based on the general recommending pattern, providing the income subsidy for bonding company and establishing the Friendly Organization of the small enterprise, the more small enterprise will be benefited.