Research On Small And Micro Credit Business Of Commercial Banks Based On DEA Model And Game Theory

In June, 2011, China promulgated the "standards" division of medium and small enterprises, and carried out a specific division between SME, which clearly shows the nation's financial services focus on SME. Then issued documents give further guidance and encourage financial institutions to carry out targeted small and micro business credit business. SME play an important role in C hina's economic and social development, but face serious financing difficulties. Commercial bank credit is the main financing channels of SME. Commercial banks carry out small micro credit business which can help commercial banks to deal with difficulties caused by "financial disintermediation" and "interest rate marketization", expand commercial bank profit, realize a win-win with the SME.This paper analyses small micro credit business of C hina's major commercial banks and based on the DEA model and game theory gives recommendations to the commercial bank of our country to carry out micro credit business. This paper is divided into five parts, the first part introduces the research background, significance, related research achievements at home and abroad, the main research methods and contents of this paper, summarizes the innovations and deficiencies. The second part is the definition of SME, and introduction of the theoretical analysis tools: DEA efficiency model and game theory. The third part summarizes the small mic ro credit business of major commercial banks in C hina, emphatically analyses the successful "Shang Dai Tong" business of the Min Sheng Bank. The fourth and fifth parts, by the analysis of DEA efficiency model and the joint guarantee dynamic model, suggest ions are given: commercial banks carrying out small micro credit business need to upgrade the credit business efficiency, strengthen and improve the small micro enterprise credit system, strengthen control of credit risk based on the cluster and so on. All these suggestions are in order to further improve the scale and the level of small micro credit loan business to support SME to become bigger and stronger, and realize the interaction development of China's financial industry and improve the level of social and economic development.