工商銀行小企業(yè)融資成功案例.pdf

1、上海交通大學碩士學位論文工商銀行小企業(yè)融資成功案例姓名：沈玨申請學位級別：碩士專業(yè)：高級人員管理公商管理指導教師：張櫓201005225 WHAT EXPLAINS THE FINANCING SUCCESS OF SMALL BUSINESS AT ICBC? ABSTRACT It is difficult for small and medium enterprises to obtain external financing

2、 in China. Small and medium enterprises (SMEs) account for the bulk of loans written at ICBC, which is the largest bank by market capitalization in the domestic market as well as in the global market. We c

3、onduct case studies to shed light on the factors underlying the financing success of some SMEs. First, we analyze the general difficulties faced by Chinese SMEs when raising external funds. Second, we elabora

4、te ICBC’s loan requirements and policies that govern loan applications for SMEs. Third, we examine the factors that influence lending decisions. For example, is the assessment of loan application solely based