中小企业银行

伊朗央行将把在韩国的石油销售所得存入友利银行和韩国中小企业银行。

The Iranian central bank will deposit proceeds from oil sales in South Korea at Woori and IBK .

该行昨日表示，调查涉及荷银中国（abnamrochina）中小企业银行业务的一小部分帐户。

The bank said yesterday that the probe related to a small number of accounts within the small and medium-sized banking business at ABN AMRO China .

我国中小企业银行关系型融资的效率分析

An Analysis of the Efficiency of the Chinese SME-bank Relationship Lending

破解中小企业银行融资难的对策研究

The Solution to Financing Straits of Small and Medium-sized Enterprise

第5章，提出中国银行泰安分行中小企业银行授信策略，并进行详细解释。

Chapter 5 makes out the credit strategy and explanation in detail .

台湾中小企业银行的发展与转型历程

Development and Reform of Bank of Taiwan for Small and Medium-scaled Enterprises

研究结果表明：（1）中小企业银行融资难是客观存在的社会现象，在经济越落后的地区形势越为严重。

The results show that : ( 1 ) The problem of small-medium enterprise bank financing is a usual thing in society .

可见，从经济学的原理分析，保险机制的介入可以解决中小企业银行贷款难的问题。

Through the economic analysis , it is very clear that the insurance mechanism can solve the difficult problem of bank loans for SMEs .

在中小企业银行信贷市场中，本文认为信用风险主要源于信息不对称和长期预期不稳。

In the particular case of SMEs ' and banks ' credit market , credit risk is primarily attributable to information asymmetry and the instable long-term expectation .

中小企业银行融资方案的新型设计&关系贷款及银行辛迪加和相机治理

New Design of Financing Plan for SMS Enterprises to Seek Loans from Banks & relationship - based loan and managing and controlling on choice by bank syndicate

我无法相信友利银行和韩国中小企业银行在做的事情，一位银行业高管表示，它们（应该）担心自己在美国的利益。

I cannot believe what IBK and Woori are doing , said a senior bank executive . They [ should ] be worried about losing their US interests .

作为一家零售银行的一部分，在这里肯定是一项优势，巴克莱在中小企业银行市场占有25%的份额，其1400万零售客户为巴克莱财富提供了持续不断的新业务。

Being part of a retail bank is clearly an advantage here , with Barclays ' 25 per cent share of the small and medium-sized business banking market and its 14m retail clients providing a continual flow of new business .

尽管许多研究调查了影响不同企业群体借贷能力的内生因素，但与政府政策相关的金融结构通过信贷技术影响中小企业银行信贷可获得性的研究并不多见。

Although many studies have investigated endogenous factors that affect the ability of borrowing of different business groups , not many empirical studies have examined national financial structure combined with government policies through lending technologies that affect access to bank loan .

本文尤其在金融危机时期推出的崭新金融中介&中小企业银行方面，做了深入研究，这对中小企业债务融资有很大的帮助，也是本文的特色之处。

This especially in the financial crisis , launched a new era of financial intermediation - Business Bank has done a thorough study of this debt financing for SMEs , there is a great help , but also special feature at this article .

深化中小企业与银行合作关系的途经及演变趋势

Ways to Deepen Cooperation between Banks and SMEs and Trends of Evolution

关系型融资是中小企业和银行双赢的融资模式。

Relationship finance benefits both small corporations and commercial banks .

一般来说，中小企业认为银行融资供应不足。

In general , the availability of bank financing is considered inadequate by smes .

信贷市场中，由于信息不对称，中小企业成为银行主要的信贷配给对象。

Credit markets , as information are asymmetries that SMEs become the main bank credit rationing targets .

第四章为金融危机后中小企业与银行间关系变化的分析。

Chapter IV introduces the changes of the relationship between SMEs and the bank after financial crisis .

第四章分析了融资过程中的中小企业与银行的关系。

Chapter four analyzes the relationship between medium and small enterprises and banks in context of financing process .

这些规定考虑了保险公司的风险管理需求，以及中小企业和银行的实际情况。

The suggestions are based on insurance companies ' risk management needs and the actual needs of SMEs and banks .

此外，由于中小企业和银行之间存在信息不对称，造成中小企业在银行融资上落入较为尴尬的境地。

In addition , due to the information asymmetries between SMEs and banks , SMEs fall into an awkward position in bank financing .

从而，商业银行法对银行持股非金融机构股权的限制实际上制约了中小企业和银行最为有利融资关系的发展。

Thus , the limitation of commercial banks on non-financial institutions stake restrict the optimum relationship mode between the small and medium-sized enterprises and banks .

许多中小企业在银行因高风险而提高贷款利率，从而增加了中小企业融资的成本。

Many small and medium enterprises in the bank due to high-risk and improve lending rates , thus increasing the cost of financing for SMEs .

同时，建立并发展中小企业与银行之间契约关系也是解决中小企业融资难的有效途径。

Meanwhile , building and developing the contractual relation between medium and small-sized enterprises and banks is also an effective way to solve difficulty of financing .

然而，由于中小企业和银行之间存在着信息的非对称性，从而导致银行在信贷市场上面临着严重的道德风险和逆向选择。

However , the information asymmetry lying in between SMEs and banks results that banks confront serious moral hazard and adverse selection in the credit market .

为了解决中小企业与银行等金融机构之间的种种矛盾，产生了供应链金融这一针对中小企业融资难问题的全新金融服务模式。

In order to solve the contradiction between SME and bands , supply chain finance emerged which could be possible solutions as the problems of SME financing .

比起拿不出抵押物、缺乏可靠财报的中小企业，银行更偏爱向利润稳定、风险极低的国有企业提供贷款。

The banks prefer to lend to state-owned enterprises , where margins are fixed and the risk slight , than to smaller and mid-size firms who lack collateral and reliable financial statements .

中小企业和银行之间的信息严重不对称，进而导致逆向选择、道德风险和高昂的监督成本，这是导致信贷配给的根本原因。

There is much severe asymmetric information between banks and SMEs , leading to adverse selection , moral hazard and high monitoring costs , which is the ultimate cause resulting in credit rationing .

但同时，“物流银行”这种新兴的金融业务也面临着来自仓单质押业务、中小企业和银行内部管理等多方面的风险，需要采取措施防范和规避。

However , the " logistics bank " is also faced with some new risks that result from the cargo-backed loans , SMEs business and banks internal management , which is needed to take measures to evade .