The Factors Influencing Enhancement of Selection Financing Campaign for Small and Micro Enterprises: Case Study of China Everbright Bank Co., Ltd. Huizhou Branch

Abstract

           The research objectives were as follows: 1) To find out the overall situation of small and micro enterprise customers with loan balance at Huizhou Branch of Everbright Bank at the end of 2022; 2) To investigate factors which influencing on financing of small and micro enterprises in Huizhou Branch of China Everbright Bank. In order to accomplish the research goal of this paper, this paper adopts qualitative analysis method, and extracts the required data from the results of questionaries.
The research findings revealed that: 1) most enterprises believe that financial status, collateral assets, corporate reputation, management system, profitability and solvency have a greater impact on small and micro enterprises' application for loans; 2) the operation status, cash flow, good solvency, strong guarantee ability and good development prospects of small and micro enterprises are the main factors considered by banks when approving loans. At the same time, both the risk factors of small and micro enterprises and the credit evaluation system of banks have a negative impact on the final credit supply, indicating that the higher the risk of enterprises themselves, the worse the risk evaluation system of banks, and the more difficult it is for enterprises to obtain the credit approval of Everbright Bank.