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Contract Mechanism of Water Environment Regulation for Small and Medium Sized Enterprises Based on Optimal Control Theory
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作者 Shuang Zhao Hongbin Gu +2 位作者 Lianfang Xue Dongsheng Wang Bin Huang 《Journal of Water Resource and Protection》 CAS 2024年第7期538-556,共20页
The small and scattered enterprise pattern in the county economy has formed numerous sporadic pollution sources, hindering the centralized treatment of the water environment, increasing the cost and difficulty of trea... The small and scattered enterprise pattern in the county economy has formed numerous sporadic pollution sources, hindering the centralized treatment of the water environment, increasing the cost and difficulty of treatment. How enterprises can make reasonable decisions on their water environment behavior based on the external environment and their own factors is of great significance for scientifically and effectively designing water environment regulation mechanisms. Based on optimal control theory, this study investigates the design of contractual mechanisms for water environmental regulation for small and medium-sized enterprises. The enterprise is regarded as an independent economic entity that can adopt optimal control strategies to maximize its own interests. Based on the participation of multiple subjects including the government, enterprises, and the public, an optimal control strategy model for enterprises under contractual water environmental regulation is constructed using optimal control theory, and a method for calculating the amount of unit pollutant penalties is derived. The water pollutant treatment cost data of a paper company is selected to conduct empirical numerical analysis on the model. The results show that the increase in the probability of government regulation and public participation, as well as the decrease in local government protection for enterprises, can achieve the same regulatory effect while reducing the number of administrative penalties per unit. Finally, the implementation process of contractual water environmental regulation for small and medium-sized enterprises is designed. 展开更多
关键词 Optimal Control Theory small and Medium-Sized enterprises Water Environment Regulation Contract Mechanism
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Assessing Factors Influencing Solar Energy Adoption among Small and Medium Enterprises in Mzuzu City, Malawi
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作者 Mkhalipie Avenea Beatrice Ke Jiang 《Energy and Power Engineering》 2024年第7期257-284,共28页
One of the many renewable energy sources that offer advantages is solar energy, which also lowers energy prices and promotes environmental sustainability and energy security. Despite these advantages, various barriers... One of the many renewable energy sources that offer advantages is solar energy, which also lowers energy prices and promotes environmental sustainability and energy security. Despite these advantages, various barriers, such as installation costs, have prevented small and medium-sized enterprises from investigating this invention. Malawi has a significant energy shortfall such that most businesses have been hindered from their profit maximization goals. The “Photovoltaic systems” (PV) that transform sunlight into electricity are the subject of this study. This type of solar energy system is situated on the building’s roof and generally produces electricity for businesses and even homes. Solar energy offers a great impact to small and medium enterprises in Mzuzu city with a cost-effective and dependable alternative to energy that has the potential to change the game. Therefore the aim of the study was to identify factors that encourage the adoption of solar energy among small medium enterprises in the city of Mzuzu city. And to identify some of barriers faced when adopting solar energy among small and medium enterprises in the city of Mzuzu. The research approach employed in the study was a survey. A survey is a type of research methodology in which primary data is gathered from a sample using a questionnaire. When information is to be gathered from a wider sample, a survey is employed. A bigger sample size was needed in this study in order to facilitate hypothesis testing. It is advised to apply a logical approach while using the survey. The survey utilized a five-point Likert scale. The study used convenience sampling to select study participants. The sample size in this study was determined using Cochran’s sample size formula. Statistical Package for Social Sciences (SPSS) and Microsoft Excel were used for statistical analysis. About 97.2% of the participants were aware of solar as a source of energy compared to 2.8 % who were unaware. The majority of participants use solar energy for lighting only, seconded by those who use electricity. The least number of participants use solar energy for cooling only. The majority of participants 21.5% indicated partnership and collaboration as the most motivating factor for the adoption of solar energy. This was followed by technical expertise 19.1 % the least number of participants 10.8% expressed that policy and regulatory frameworks were associated with the adoption of solar energy. This study found that there are no statistically significant factors influencing barriers to the adoption of solar energy. The price of solar energy adoption was identified as the least factor associated with the acceptance or rejection of solar energy. Nonetheless, the reasons given by the homes that had embraced solar technology aligned with the findings of other studies. This survey also found that although the public was aware of solar energy, and technology, there were still a number of factors that mattered, especially for non-adopters. 展开更多
关键词 Solar Energy small and Medium enterprises Solar Energy Adoption
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Research on the Generation of Professional Skill Modules for Talent Cultivation in the Landscape Architecture Profession for Industry-Education Integration of Small and Medium-Sized Enterprises
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作者 Fengyi Xu Yang Su 《Journal of Contemporary Educational Research》 2024年第6期227-232,共6页
Due to industry characteristics or regional limitations,many students in certain majors tend to seek employment in small and medium-sized enterprises(SMEs).SMEs face certain challenges in implementing industry-educati... Due to industry characteristics or regional limitations,many students in certain majors tend to seek employment in small and medium-sized enterprises(SMEs).SMEs face certain challenges in implementing industry-education integration,and there is a lack of mature methods in specific implementation processes and talent cultivation plan generation.Taking the landscape architecture profession as an example,this paper conducts a correlation analysis and cross-analysis of the industry-required professional skills based on surveys of over 300 industry practitioners employed in SMEs.It provides professional skill cultivation modules based on market feedback.This research process and analysis method have certain reference significance for the rapid production of adaptive talent cultivation professional skill modules in other industries targeting SMEs. 展开更多
关键词 Landscape architecture profession Talent cultivation Industry-education integration small and medium-sized enterprises
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Research on the Coordinated Development of Inclusive Finance and Financing for Small and Medium-sized Enterprises
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作者 Yanfei Li Xue Liang 《Proceedings of Business and Economic Studies》 2024年第4期214-219,共6页
As an important force in promoting economic and social development,small and medium-sized enterprises play a crucial role in enhancing China’s economic strength,creating employment opportunities,and promoting industr... As an important force in promoting economic and social development,small and medium-sized enterprises play a crucial role in enhancing China’s economic strength,creating employment opportunities,and promoting industrial structural transformation.However,due to their inherent weaknesses,small and medium-sized enterprises often face difficulties in financing within the traditional financial service system.This makes it difficult for small and medium-sized enterprises to inject vitality into the development of the market economy by expanding their financing scale.Since 2013,China has vigorously developed inclusive finance and extended the services of traditional financial institutions to small and medium-sized enterprises,providing policy guidance,resource support,and technical support to alleviate the financing difficulties of small and medium-sized enterprises.Based on this,this article focuses on the current financing problems faced by small and medium-sized enterprises and specifically elaborates on how to lower the financing threshold for small and medium-sized enterprises and broaden their financing channels through inclusive finance,in order to promote the development of inclusive finance and a virtuous cycle of financing for small and medium-sized enterprises. 展开更多
关键词 Inclusive finance Financing for small and medium-sized enterprises Financial institution
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The Application of Knowledge Management(KM)by Small and Medium-Sized Enterprises(SME)in Manufacturing Industry
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作者 Danrui Yin Chin Lye Ooi 《Proceedings of Business and Economic Studies》 2024年第4期293-299,共7页
To accelerate the digital transformation of small and medium-sized manufacturing enterprises(SMEs),this study delves into the primary challenges encountered in adopting knowledge management(KM)within these organizatio... To accelerate the digital transformation of small and medium-sized manufacturing enterprises(SMEs),this study delves into the primary challenges encountered in adopting knowledge management(KM)within these organizations and identifies the essential methods for successful implementation.The objective is to provide practical recommendations for the effective adoption of KM.This research suggests that enterprises should promote knowledge management through three key approaches:enhancing employees’cognitive understanding,standardizing knowledge systems,and tailoring business scenarios to meet diverse needs.These findings offer valuable insights into the digital transformation of SMEs in the manufacturing sector,ultimately helping these businesses to remain competitive and innovative in a rapidly changing market.By addressing the specific needs and challenges faced by SMEs,this study aims to contribute to a more comprehensive understanding of how knowledge management can be leveraged to drive digital transformation and improve overall business performance. 展开更多
关键词 Knowledge management(KM) small and medium-sized enterprises(SME) Manufacturing industry
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Ecological Environment Problems and Countermeasures of Small and Middle-sized Rivers in Shandong Province
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作者 赵维军 彭淑贞 +3 位作者 燕婷婷 张伟 张莹 宋晓鹏 《Agricultural Science & Technology》 CAS 2016年第10期2369-2372,共4页
Water uses in small and middle-sized rivers, and non-ecological treatment model has deteriorated local environment in Shandong. The research reviewed ecological environment status quo of small and middle rivers and co... Water uses in small and middle-sized rivers, and non-ecological treatment model has deteriorated local environment in Shandong. The research reviewed ecological environment status quo of small and middle rivers and concluded existing problems. Finally, ecological treatments were proposed based on treatments at home and abroad in order to improve eco-environment of rivers and build better Shandong. 展开更多
关键词 ECO-ENVIRONMENT small and middle-sized rivers Problems and Countermeasures Shandong Province
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The Thinking of Financing under Dual Economies Character In Medium & Small Enterprises
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作者 王维佳 鞠丽丽 《海外英语》 2011年第11X期366-369,共4页
In China,the dual economies show prominence in financial field.It leads to the serious dual credit ration and becomes one of the main cause which makes financing in medium & small sized enterprises becomes harder ... In China,the dual economies show prominence in financial field.It leads to the serious dual credit ration and becomes one of the main cause which makes financing in medium & small sized enterprises becomes harder and harder.On basis of this situation,we theoretically pose that we can alleviate the difficulty through the dual cooperation of financial control and the deepening of finance. 展开更多
关键词 Dual ECONOMIES CHARACTER MEDIUM & small Sized enterprises FINANCING
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A Novel Lifecycle Model for Web-based Application Development in Small and Medium Enterprises 被引量:1
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作者 Wei Huang Ru Li +3 位作者 Carsten Maple Hong-Ji Yang David Foskett Vince Cleaver 《International Journal of Automation and computing》 EI 2010年第3期389-398,共10页
Software engineering's lifecycle models havc proven to be very important for traditional software development. However, can these models be applied to the development of Web-based applications as well? In recent yea... Software engineering's lifecycle models havc proven to be very important for traditional software development. However, can these models be applied to the development of Web-based applications as well? In recent years, Web-based applications have become more and more complicated and a lot of efforts have been placed on introducing new technologies such as J2EE, PhP, and .NET, etc., which have been universally accepted as the development technologies for Web-based applications. However, there is no universally accepted process model for the development of Web-based applications. Moreover, shaping the process model for small medium-sized enterprises (SMEs), which have limited resources, has been relatively neglected. Based on our previous work, this paper presents an expanded lifecycle process model for the development of Web-based applications in SMEs. It consists of three sets of processes, i.e., requirement processes, development processes, and evolution processes. Particularly, the post-delivery evolution processes are important to SMEs to develop and maintain quality web applications with limited resources and time. 展开更多
关键词 WEB development of Web-based applications lifecycle models small medium-sized enterprises (SMEs).
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Empirical Research on the Credit Demand and Credit Behavior of Small and Micro Enterprises 被引量:2
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作者 Dingxiang WANG Zhengmei ZHANG lingli LI 《Agricultural Science & Technology》 CAS 2014年第7期1243-1248,共6页
This article uses discriminant sampling method to select 1062 small and micro enterprises from 25 provinces in China. Researches were conducted on their credit demand and credit behavior, with the Probit model to carr... This article uses discriminant sampling method to select 1062 small and micro enterprises from 25 provinces in China. Researches were conducted on their credit demand and credit behavior, with the Probit model to carry out metrologic tests on influential factors of these enterprises' credit demand and credit behavior.The metrologic analysis shows: Literacy level of leader, asset size, annual revenue of the enterprises have significantly positive effects on the credit demand of these small and micro enterprises. Annual revenue has significantly negative influence on overall credit behavior and the occurrence of informal financial behavior, but significantly positive influence on the occurrence of formal financial behavior. Literacy level of staff and asset size of enterprises have significantly positive influence on the occurrence of the overall credit behavior of small and micro enterprises. 展开更多
关键词 small and micro enterprise Credit demand Credit behavior Influential factors
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Mechanism of Impact of Entrepreneurial Spirit on the Development of Small and Medium-sized Private Enterprises in China 被引量:1
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作者 Feihong CHEN Jiayue LI +1 位作者 Yisheng PENG Xi ZHAN 《Asian Agricultural Research》 2017年第6期1-6,共6页
As a necessary factor for a successful business,entrepreneurial spirit is an important means for enterprises to survive in the unstable environment of fierce competition. Under the circumstance of mass entrepreneurshi... As a necessary factor for a successful business,entrepreneurial spirit is an important means for enterprises to survive in the unstable environment of fierce competition. Under the circumstance of mass entrepreneurship and innovation,a large number of small and medium-sized private enterprises have emerged in all walks of life in China. This paper examines the differences in the definition of entrepreneurial spirit by different scholars,the influence of Chinese entrepreneurship on the development of small and medium-sized private enterprises,the origin of the spirit of private entrepreneurs with Chinese characteristics,and the disadvantages of the spirit of small and medium-sized private entrepreneurs in China. It is necessary to further improve entrepreneurial spirit to contribute to the development of small and medium-sized private enterprises and help China to build the national economic system. 展开更多
关键词 small and medium-sized private enterprises Entrepreneurial spirit Impact mechanism
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Fuzzy integral based measurement and assessment of medium and small enterprises'product innovation 被引量:1
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作者 毕克新 张铁柱 +1 位作者 孙金花 冯英浚 《Journal of Harbin Institute of Technology(New Series)》 EI CAS 2003年第3期278-283,共6页
A fuzzy integral based way of measurement assessment has been established by using linguistic varia-bles and combining fuzzy integral with hierarchy analysis for measurement of medium and small enterprises'product... A fuzzy integral based way of measurement assessment has been established by using linguistic varia-bles and combining fuzzy integral with hierarchy analysis for measurement of medium and small enterprises'product innovation. The conclusions drawn from analyses made with 20 medium and small enterprises providebases for governments to formulate applicable policies and for medium and small enterprises to enhance theirproduct innovation. 展开更多
关键词 medium and small enterprises (MSE) product innovation measurement and assessment fuzzy integral
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Research on the Sustainable Development of Chinese Small and Medium-Sized Enterprises-Con-struction and Application of R&D Strategic Alliance 被引量:1
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作者 Zhang Ying Zhang Xin 《Ecological Economy》 2005年第4期71-75,共5页
R &D strategic alliance is important for enterprises' sustainable development and it is a worth research for us. This paper firstly analyzes the condition and situation of tho small and medium-sized enterprises' st... R &D strategic alliance is important for enterprises' sustainable development and it is a worth research for us. This paper firstly analyzes the condition and situation of tho small and medium-sized enterprises' strategic alliance. Then it points out that the small and medium-sized enterprises should choose a sttieable alliance organization, ally themselves with big enterprises, strive for the support of the government, and develop their technology through technology unions. Finally, it suggests that the government should create better innovation environment for R&D strategic, alliance. A new way is also put forward for the applicotion and foundation of the small and medium-sized enterprises ' R&D ,strategic alliance in China. It is also helpful for the sustainable development of small and medium-sized enterprises. 展开更多
关键词 techoological innovatian R&D strategic alliance small and medium-sized enterprises
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Digital Transformation of Small and Medium Sized Enterprises Production Manufacturing 被引量:2
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作者 Manel Koumas Paul-Eric Dossou Jean-Yves Didier 《Journal of Software Engineering and Applications》 2021年第12期607-630,共24页
Industry 4.0 concepts have brought about a wind of renewal in the organization of companies and their production methods. However, this integration is subject to obstacles when it comes to Small and Medium sized Enter... Industry 4.0 concepts have brought about a wind of renewal in the organization of companies and their production methods. However, this integration is subject to obstacles when it comes to Small and Medium sized Enterprises—SMEs: the costs of new technologies to be acquired, the level of maturity of the company regarding its level of digitization and automation, human aspects such as training employees to master new technologies, reluctance to change, etc. This article provides a new framework and presents an intelligent support system to facilitate the digital transformation of SMEs. The digitalization is realized through physical, informational, and decisional points of view. To achieve the complete transformation of the company, the framework combines the triptych of performance criteria (cost, quality, time) with the notions of sustainability (with respect to social, societal, and environmental aspects) and digitization through tools to be integrated into the company’s processes. The new framework encompasses the formalisms developed in the literature on Industry 4.0 concepts, information systems and organizational methods as well as a global structure to support and assist operators in managing their operations. In the form of a web application, it will exploit reliable data obtained through information systems such as Enterprise Resources Planning—ERP, Manufacturing Execution System—MES, or Warehouse Management System—WMS and new technologies such as artificial intelligence (deep learning, multi-agent systems, expert systems), big data, Internet of things (IoT) that communicate with each other to assist operators during production processes. To illustrate and validate the concepts and developed tools, use cases of an electronic manufacturing SME have been solved with these concepts and tools, in order to succeed in this company’s digital transformation. Thus, a reference model of the electronics manufacturing companies is being developed for facilitating the future digital transformation of these domain companies. The realization of these use cases and the new reference model are growing up and their future exploitation will be presented as soon as possible. 展开更多
关键词 Industry 4.0 small and Medium enterprises Human-Machine Interface Cyber-Physical System Artificial Intelligence Internet of Things Information Systems Advanced Robotics Lean Manufacturing DMAIC
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A Game Analysis on Technology Alliance of Tech-typed Small and Medium-sized Enterprises 被引量:1
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作者 Cuihua Wu Jingyu Qi +1 位作者 Xinping Wang Qingjie Chen 《Chinese Business Review》 2004年第7期76-81,共6页
As an innovation mode of organization, technology alliance has being increasingly paid more attention to by more and more small and medium-sized enterprises (SME). In this paper, on the basis of analyzing the theory... As an innovation mode of organization, technology alliance has being increasingly paid more attention to by more and more small and medium-sized enterprises (SME). In this paper, on the basis of analyzing the theory and practice meaning of the technology alliance, cooperative game method is used to analyze the forming process of the cooperative mechanism, and it points out that cooperation will make both sides get the largest benefits. 展开更多
关键词 Tech-typed small and medium-sized enterprises technology alliance cooperative game
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Sustainable Development Strategy and Tactics of Small Enterprises under Market System
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作者 张美芬 王文杰 汤兵勇 《Journal of China Textile University(English Edition)》 EI CAS 2000年第1期106-109,共4页
Based on an analysis of small enterprises’features,com-bined with an example which the authors experienced,the sustainable development strategy and tectics that thesmall enterprises can adopt in the new century are d... Based on an analysis of small enterprises’features,com-bined with an example which the authors experienced,the sustainable development strategy and tectics that thesmall enterprises can adopt in the new century are dis-cussed and presented in this paper.These strategies arefocusing on one target strategy,finding the vacancystrategy,management characteristic strategy,unitedcompetition strategy and contract management strategy.And the tactics are internal reformation,united refor-mation,technology purchase and technology transfer-ring. 展开更多
关键词 small enterprises DEVELOPMENT strategy sustain-able development.
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Mechanism of Interaction between Entrepreneurial Spirit and Growth of Small and Medium Sized Private Enterprises
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作者 Peng XIE 《Asian Agricultural Research》 2016年第6期34-39,共6页
In the context of government appeal of " mass entrepreneurship and innovation",all areas launched the movement of " mass entrepreneurship" and " grassroots entrepreneurship". As parts of ... In the context of government appeal of " mass entrepreneurship and innovation",all areas launched the movement of " mass entrepreneurship" and " grassroots entrepreneurship". As parts of vitality of China's market economy,small and medium sized private enterprises become grassroots of market competition in talents,funds,and technologies. This paper combined three levels of entrepreneurial spirit and small and medium sized private enterprises,studied acting mechanism of entrepreneurial spirit,discussed competitive power of small and medium sized private enterprises,and recommended that small and medium sized private enterprises should cultivate core competitive power,adapt to external environment,and create external environment support,to realize sound development. 展开更多
关键词 ENTREPRENEURIAL SPIRIT small and medium sized PRIVATE enterprises enterprisE GROWTH
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STUDY ON MEASURE OF TECHNICAL INNOVATION ABILITY IN MEDIUM AND SMALL MANUFACTURING ENTERPRISES
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作者 BiKexin DingXiaohui +1 位作者 ZhangTiezhu FengYingjun 《Chinese Journal of Mechanical Engineering》 SCIE EI CAS CSCD 2004年第1期40-45,共6页
Measure index system of technical innovation in medium and smallmanufacturing enterprises is established according to principles of exploration, adaptability,standardization, generalization, feasibility, comparability... Measure index system of technical innovation in medium and smallmanufacturing enterprises is established according to principles of exploration, adaptability,standardization, generalization, feasibility, comparability and combination of economic benefit andcontinual development. It includes index of technical innovation capacity, informationaladministration on technical innovation, and investment of technical innovation, economic benefit,green technical level, social contribution and other influential indexes. Approach to measure oftechnical innovation in medium and small manufacturing enterprises is presented based on combinationof grey relation and fuzzy hiberarchy analysis, and conclusions are drawn based on practicalanalysis of 20 medium and small enterprises, which provides the basis for the medium and smallenterprises to select technical innovation policies and the government to constitute relativepolicies. 展开更多
关键词 Medium and small manufacturing enterprises Technical innovation ability Measure Grey relation Fuzzy hierarchy analysis
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Commercial Banks Responses toward Small and Medium Enterprises Survival in the Context of the COVID-19 in Africa 被引量:1
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作者 Annstellah Gakii Karoli Kolokonyi Romano Miceni 《Journal of Sustainable Business and Economics》 2022年第3期12-17,共6页
The African government has implemented measures to sustain an investable economic downturn as it navigates the fiscal effect of the viral spread of coronavirus disease 2019(COVID-19).Consequently,commercial banks in A... The African government has implemented measures to sustain an investable economic downturn as it navigates the fiscal effect of the viral spread of coronavirus disease 2019(COVID-19).Consequently,commercial banks in Africa have come hand in hand toward support of SMEs activities by increasing their borrowing power and reducing interest rates.Despite all these measures the general performance of small and medium enterprises(SMEs)across Africa as pertains to revenues and profits has gone down.This paper provides a theoretical analysis of the measures undertaken by commercial banks to ensure proper running and continuity of activities in the SMEs sector in Africa.The research is founded on the theories of innovation diffusion and resource-based theory.This study will use a mixed research design,which will include descriptive and explanatory research.The proposed target population will be Africa’s thriving commercial banks.The primary and secondary data will be used from commercial bank reports and the central bureau of statistics reports across Africa.The data will be analyzed using a multiple linear regression model.The finding indicated that commercial banks in Africa have brought in solutions and measures to adapt to the crisis being implicated on the SMEs by the COVID-19 pandemic.Based on the findings of the desktop reviews,the study concludes that commercial banks have a significant influence on SMEs during this period of COVID-19,and with the assistance of the government,they have implemented more policies to support the activities of SMEs. 展开更多
关键词 AFRICA COVID-19 Commercial banks small and medium enterprises
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Analysis on Profit Quality of Small and Medium-sized Agricultural Enterprises:A Case Study of YM Industrial Co.,Ltd in Guang'an City of Sichuan Province
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作者 Ling JIANG Huawei LUO 《Asian Agricultural Research》 2013年第1期83-86,共4页
For a long time, under the influence of system and environment and other factors, some small and medium-sized agricultural enterprises in China only seek growth of profit in quantity, but neglect the growth of profit ... For a long time, under the influence of system and environment and other factors, some small and medium-sized agricultural enterprises in China only seek growth of profit in quantity, but neglect the growth of profit in quality, leading to low profit quality. This study reasonably defines the concept of profit quality of small and medium-sized agricultural enterprises, and expounds general characteristics of high quality profit. On the basis of general factors influencing profit quality of enterprises, it builds indicator system for evaluating the profit quality of small and medium-sized agricultural enterprises. Also, it conducts an empirical analysis on profit quality of Chinese small and medium-sized enterprises with YM Industrial Co., Ltd in Guang'an City of Sichuan Province as an example. 展开更多
关键词 small and medium-sized AGRICULTURAL enterprises AN
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Risk Control Strategies for Loan of Commercial Banks to Small Agricultural Enterprises
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作者 Yu LIU Rui ZHAO 《Asian Agricultural Research》 2019年第2期19-25,共7页
In recent years,the deepening of reform has provided larger development space for small agricultural enterprises. Besides,with flexible operation mechanism and sensitive market perception,small agricultural enterprise... In recent years,the deepening of reform has provided larger development space for small agricultural enterprises. Besides,with flexible operation mechanism and sensitive market perception,small agricultural enterprises have also enriched the reform achievements,improved the market structure and promoted economic development. Therefore,attaching great importance to small agricultural enterprises and supporting their healthy development have become the key tasks of each country. However,at the current stage,small agricultural enterprises in China are facing tremendous survival pressure. Because their capital is limited,the capital turnover is difficult. In this situation,financing has become an important means for small agricultural enterprises to revitalize the capital chain,expand the scale,and ensure normal operation.Compared with large and medium sized enterprises,small agricultural enterprises are small in size,imperfect in operation system,and weak in the ability of coping with market risks. Thus,commercial banks take on more risks when lending to small agricultural enterprises. To cater to state policies,commercial banks have to lend to small agricultural enterprises. In this process,it is particularly important for commercial banks to control risks. Taking some commercial banks in Xiangyang City of Hubei Province as an example,this paper analyzed the loan contracts provided by commercial banks for small agricultural enterprises and the investigation of financial status and credit status of loans before and after lending. It is found that commercial banks seldom check the financial statements when checking the operation status of small agricultural enterprises. They just check electricity fees,water fees,and wages,which are real-time and provided by the authority to accurately grasp the operation conditions. It has also been found that commercial banks will ensure that enterprises can possess the capital flow to reduce loan risks through requiring enterprises to set up fund withdraw accounts,and taking accounts receivable of enterprises as pledges. 展开更多
关键词 small AGRICULTURAL enterprises CREDIT Risk control
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