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Small and Medium-Sized Banks Contributing to the Innovative Development of Luqiao’s Microfinance

In: Microfinance and China's Regional Development

Author

Listed:
  • Wen Xiao

    (Zhejiang University)

  • Jiadong Pan

    (Zhejiang Institution of Administration)

  • Wenwu Xie

    (Zhejiang University)

Abstract

Small and medium-sized banks (SMBs) enjoy advantages in providing information services to small and medium-sized enterprises (SMEs), which elaborates the relations between credit loans for SMEs and bank scale and structure. On the one hand, SMBs are too frequently unable to run large loan projects due to their limited scale, so they have no choice but to serve principally SMEs. On the other hand, SMBs, like SMEs, are so located to understand well the credit and operation status of SMEs, thus effectively reducing the impact of information asymmetry and greatly mitigating loan risks. Therefore, SMBs are more willing to provide financing services to SMEs than large banks are. Many SMBs, including the Bank of Taizhou, Zhejiang Tailong Commercial Bank, and Luqiao Rural Cooperative Bank, focus on micro and small enterprises (MSEs) in Luqiao District, Taizhou City, and have become models of efficient microfinance development.

Suggested Citation

  • Wen Xiao & Jiadong Pan & Wenwu Xie, 2023. "Small and Medium-Sized Banks Contributing to the Innovative Development of Luqiao’s Microfinance," Springer Books, in: Microfinance and China's Regional Development, chapter 0, pages 139-166, Springer.
    • Handle: RePEc:spr:sprchp:978-981-99-1960-4_5
    DOI: 10.1007/978-981-99-1960-4_5
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