A Research On Patterns Of Credit Extension Among Enterprises In Cluster Of Commercial Banks

Although China’s SMEs has a very important position, it has made an outstandingcontribution. But for a long time, small business financing has not been effectivelyresolved. China’s economy is in a transition period, the development of small businesseshave been paid more and more attention in the national decision-making bodies, thedevelopment of small enterprises not only solves the employment, but also promotestechnological progress, but the financing of small business must be solved. While underthe external pressure and the pressure of increasing competition regulators in thebackground, the development of small business credit has been paid more and moreattention. This paper studies the geographical features with a strong industrial chain andthe industry which contains characteristics about prominent cluster of small businesscredit model, explores the solutions to their credit difficulties.Firstly, we describe the theoretical basis of commercial bank small business creditresearch cluster mode through the concept of respect from the cluster of small businesscredit to basic principles and characteristics briefly, and then laid a solid theoreticalfoundation for the study below. Seconly we discussed the necessity of cluster SZ smallbusiness credit model with the cluster SZ bank credit from banks to carry out externalpressures and SZ cluster of small business credit inherent power of both banks. Thirdlywe analyzed the SZ cluster analysis of small business credit status situation, specificallyincluding bank cluster SZ overview of small business credit, credit risk control andsystem security model, and small enterprises cluster SZ bank credit case analysis.According to SZ Banks credit status of small enterprises cluster analysis, small businesscredit from cluster management, cluster of small business credit risk control and creditfor small enterprises cluster system, we put forward three possible problems. Finally,improving the cluster level small business financial management and improving cluster ofsmall business credit risk management, job responsibilities and improving the bank’sperformance appraisal system will strengthen the SZ cluster of small businesses bankcredit model.The development of small business credit business is an important task of China’scommercial banks in future. If we can not change the information asymmetry problemfacing the small business loan, it will enable commercial bank face a great credit risk, andit will restrict the carring out of small businesses work. So research on small businesscredit model has an urgent theoretical and practical significance. What a way to not onlyby preventing risks, but also improve the efficiency of credit, bank achieve a win-winsituation, is the starting point of this article and research significance.