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首页> 外文期刊>Qualitative Research in Financial Markets >An analysis of the SME-bank match made in heaven: the case of New Zealand main banks and their relationship-managed SMEs
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An analysis of the SME-bank match made in heaven: the case of New Zealand main banks and their relationship-managed SMEs

机译：天堂中小企业银行比赛分析：新西兰主要银行的案例及其关系管理中小企业

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Purpose - The purpose of this paper is to answer the increasing calls to analyse how lending relationship between banks and their small- and medium-sized enterprises (SMEs) work. More precisely, the main aim is to investigate the lending approach(es) and criteria used by banks to assess loan applications from their relationship-managed (RM) SMEs' clients. Other objectives include investigating the level of congruence in terms of lending practices and processes among the sample banks in New Zealand (NZ) and to discern how the assessment of the SME owner/manager is done within the relationship-banking framework. Design/methodology/approach - The research objectives concern investigating processes and not variances. Thus, a qualitative research approach was used. Extensive data was collected via interviews across representative banks in NZ and thematic analysis was used to analyse the data. Findings - The findings include a detailed analysis of how relationship banking actually works; how in NZ, the main bank brands use three criteria of lending (financials, security and character) as a framework of assessing loan applications from RM-clients - which is different from the character, capital, capacity, conditions, and collateral (5Cs) that are widely used and discussed as the framework of lending; and an elucidation as to why and how character assessment is different from the other criteria of lending. Originality/value - To the best of authors' knowledge, this is the first study to investigate the mechanisms and processes that banks use to deal with their RM-SMEs, show the existence of a different framework of lending other than the 5Cs and attempt an explanation as to why character evaluation is different from that of the other criteria of lending.
机译：目的 - 本文的目的是回答越来越多的呼吁，以分析银行与中小企业（中小企业）工作之间的贷款关系。更准确地说，主要目的是调查银行使用的贷款方法和标准，从他们的关系管理（RM）中小企业的客户中评估贷款申请。其他目的包括调查新西兰样本银行（NZ）的贷款行为和流程方面的一致性，并辨别中小企业所有者/经理的评估在关系 - 银行业务框架内。设计/方法/方法 - 研究目标涉及调查过程而非差异。因此，使用了定性研究方法。通过NZ中的代表银行跨代表团收集广泛的数据，并使用主题分析来分析数据。调查结果 - 调查结果包括对关系的实际工作原理的详细分析;主要银行品牌在新西兰，主要使用贷款（财务，安全性和角色）的三个标准作为评估RM-Clients的贷款申请的框架 - 与角色，资本，能力，条件和抵押品（5CS）不同广泛使用和讨论作为贷款框架;为什么为什么和角色评估如何与其他贷款标准不同。原创性/价值 - 据某位作者的知识，这是调查银行使用对其RM-SME的机制和流程的第一项研究，展示了除了5CS以外的不同贷款框架的存在，并尝试关于为什么字符评估与其他贷款标准的不同之处不同。

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