Title: Bank Governance Mechanism and SMEs Financing Constraint——Based on the Analysis of CCB
Abstract: SMEs financing constraint is a global problem,the causes of which has been researched world wide.The paper,based on the analysis of China Construction Bank, analyses the problem from the view of bank governance mechanism,and finds that commercial banks at present do not establish an independent operating mechanism for SMEs credit business,and there is no difference in the incentive and restraint mechanisms for SMEs and large enterprises credit business,and the processes has not yet adapt to SMEs business.The sub-branches of Commercial banks will be biased to large enterprise credit business and ignore SMEs credit business,which will result in SMEs Financing Constraint.
Publication Year: 2010
Publication Date: 2010-01-01
Language: en
Type: article
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