Author(s)

Xiayi Zhang ¹, Yulin Zi ¹

Affiliation(s)

¹ School of Economics, Guangzhou College of Commerce, Guangzhou, 511363, China

Corresponding Author

Yulin Zi

ABSTRACT

With the rapid development of China's economy, micro and small enterprises contribute nearly 60% of the value of China's GDP. Its development not only represents a certain trend in the future of economic development, but strongly supporting the growth of micro and small enterprises is an area that banks, as the most important providers of financial resources in China, need to pay attentions. This paper analyses the development of the micro and small enterprise lending business of the Yunnan branch of the Agricultural Bank of China. The significance of the study is to understand the problems and issues that exist in the micro and small enterprise lending business of the Agricultural Bank of China and to elaborate relevant solutions for them, and to provide certain suggestions and opinions for the development of the micro and small enterprise lending business of the Yunnan branch of the Agricultural Bank of China.

KEYWORDS

Agricultural bank of Yunnan branch, Micro and small enterprises, Loan operations

CITE THIS PAPER

Xiayi Zhang, Yulin Zi, Study on the Development of Micro and Small Enterprise Lending Business: Example of Agricultural Bank of Yunnan Branch. Financial Engineering and Risk Management (2022) Vol. 5: 22-29. DOI: http://dx.doi.org/10.23977/ferm.2022.050704.

REFERENCES

[1] Ali, D. A., & Deininger, K. (2014). Causes and implications of credit rationing in rural Ethiopia: The importance of zonal variation. Journal of African Economies, 23(4), 493-527.
[2] Berlin, M., & Mester, L. J. (1998). On the profitability and cost of relationship lending. Journal of Banking & Finance, 22 (6-8), 873-897.
[3] Stiglitz, J. E., & Weiss, A. (1981). Credit rationing in markets with imperfect information. American Economic Review, 71 (3), 393-410.
[4] Aghdaie, M. H., & Alimardani, M. (2015). Target market selection based on market segment evaluation: a multiple attribute decision making approach. International Journal of Operational Research, 24 (3), 262-278.
[5] Jin, X., Ke, Y., & Chen, X. (2022). Credit pricing for financing of small and micro enterprises under government credit enhancement: Leverage effect or credit constraint effect. Journal of Business Research, 138, 185-192.
[6] Dagnino, G. B., Picone, P. M., & Ferrigno, G. (2021). Temporary competitive advantage: a state‐of‐the‐art literature review and research directions. International Journal of Management Reviews, 23 (1), 85-115.
[7] Arranz, N., F. Arroyabe, C., & Fernandez de Arroyabe, J. C. (2019). The effect of regional factors in the development of eco‐innovations in the firm. Business Strategy and the Environment, 28 (7), 1406-1415.
[8] Wang, Y., Kung, L., & Byrd, T. A. (2018). Big data analytics: Understanding its capabilities and potential benefits for healthcare organizations. Technological Forecasting and Social Change, 126, 3-13.
[9] Blazevic, V., & Lievens, A. (2004). Learning during the new financial service innovation process: antecedents and performance effects. Journal of Business Research, 57 (4), 374-391.
[10] Santomero, A. M. (1997). Commercial bank risk management: an analysis of the process. Journal of Financial Services Research, 12 (2), 83-115.

Sponsors, Associates, and Links

---

• Information Systems and Economics
  
  
• Accounting, Auditing and Finance
  
  
• Industrial Engineering and Innovation Management
  
  
• Tourism Management and Technology Economy
  
  
• Journal of Computational and Financial Econometrics
  
  
• Accounting and Corporate Management
  
  
• Social Security and Administration Management
  
  
• Population, Resources & Environmental Economics
  
  
• Statistics & Quantitative Economics
  
  
• Agricultural & Forestry Economics and Management
  
  
• Social Medicine and Health Management
  
  
• Land Resource Management
  
  
• Information, Library and Archival Science
  
  
• Journal of Human Resource Development
  
  
• Manufacturing and Service Operations Management
  
  
• Operational Research and Cybernetics