中小企业联保贷款融资模式违约率研究

The Study of Default Rates on Joint Guaranteed Loans Financing Mode for SMEs

通过联保小组成员与银行之间的博弈分析,得出影响违约率的因素,并针对这些影响因素提出相应的建议,以帮助企业继续从银行获得贷款,同时帮助银行降低信用风险和操作风险。

In recent years, the economy development data shows that SMEs play an important and strategic role in national economic and social development, but lack of funds has been the bottleneck of the development of SMEs. Their own defects, including the low cost of default, fewer assets may be pledged, weak anti risk capability, poor operating stabilities, etc, make it difficult to obtain loans from banks and other financial institutions. In order to solve the difficult problem of SMEs financing, joint guarantee loans have emerged. However, that may induce systemic risk,resulting in higher default rates. Finding out the factors that affecting default rates can help banks to reduce the risk of default. This paper willconclude the factors that affect default rates through the game analysis between members and banks, and make appropriate recommendations forthese factors to help companies continue to get loans from banks, while helping banks to reduce credit risk and operational risk.