The Research On Accounts Receivable Financing And Bank Risk Management Of Middle And Small Business

Accounts receivable financing is a new type of financing,which has become an effective way to deal with middle and small business's dilemma of financing and borrowing from the bank.However,accounts receivable financing of middle and small business is at starting stage,carrying pre-loan risk,loan risk and after-loan risk,far from being perfect.Joint efforts of government,bank and corporate will boost effective precaution and control for middle and small business's accounts receivable financing.As has shown in the research,our numerous middle and small businesses faced with the problem of being rather widespread,lacking of market competitiveness,diversification of the main investors and low share of capital technology.Accounts receivable financing can make it easily for middle and small business to better finance,lower the risk of bad debt,enhance the ability of insolvency and ease the debt crisis.The research uses questionnaire survey,field investigation,expert interview,case study,comparative analysis and document research,to deplore middle and small business's accounts receivable financing and bank risk management.Based on information collecting and theoretical researching,the research applies risk control theory and debt management theory to study the current situation of middle and small business's accounts receivable financing.Problems such as financing mode relatively single,unsmooth financing channels,imprecise bank reviewing and unsound risk control system still exist in middle and small business's accounts receivable financing now.Under the research of pledge financing,factoring financing and securitization financing of accounts receivable financing,strategies such as pre-loan risk control loan risk control,after-loan risk control have been put forward.Case study is also applied to deplore potential risk,risk assessment,risk control of middle and small business's accounts receivable financing,so as to assure the tight research of theory and practice,problem analyzing and strategy seeking.The research is an empirical study,which guided by specific theory,so the research content,methods and conclusions all aim to show some innovation.Started with the comparative analysis of pledge financing,factoring financing and securitization financing of accounts receivable financing,to discuss bank risk control strategy during middle and small business's accounts receivable financing.Combination of three strategies is a breakthrough of former research.Moreover,questionnaire survey,field investigation,expert interview,case study,comparative analysis and document research clearly guarantee the objectivity and reliability of the research.Based on that,solving strategies such as theoretical direction,status analysis and problem exploration have been operated well with the assist of practical case to better analyze,verify and apply.All this will be some reference for future research and practice.