报告题目 | Relationship Banking and the Geography of SME financing in the UK | ||
报告人（单位） | Prof. Kent Matthews (Cardiff University) | ||
点评人（单位） | 刘晓星 教授 （东南大学） | 点评人（单位） | 尹威 副教授 （东南大学） |
时间地点 | |||
报告内容摘要 | |||
SMEs have always found it difficult to access bank credit. Part of the problem is the issue of asymmetric information that makes SME lending a risky prospect for banks. The role of Relationship Managers is to screen SMEs borrowers by translating soft information and transmitting this information to Lending Managers in the bank organisation. This seminar reports on two projects relating to SME lending in the UK. The first project focuses on the value of relationship banking to SMEs in Wales in the period following the global banking crisis. The results show that SMEs that had developed a customer-loan relationship with their banks had a lower probability of experiencing a worsened credit outcome than those that did not. The second project tests the argument that large institutions with complex organisational structures are better able to filter ‘hard’ information than ‘soft’ information. It explores the spatial dispersion of SME lending in the UK in terms of geographical distance by examining bank lending to SMEs by postcode district in the UK. | |||
报告人简介 | |||
Kent Matthews是英国卡迪夫大学商学院金融学教授，同时拥有英国Sir Julian Hodge Professor of Banking and Finance的荣誉头衔。他从事银行与金融方面研究与研究三十余年，出版专著17本，主持各项科研项目13项，发表期刊论文近百篇，其中大部分发表于European Economic Review，Journal of Money, Credit and Banking，Journal of Bank and Finance，International Review of Financial Analysis和Journal of International Financial Markets, Institutions and Money等相关专业顶级期刊上。Kent Matthews教授在全球银行与金融研究领域拥有极高的声望，同时也是中国银行业研究专家，是国家自然科学基金委“中英合作项目”专家之一。他曾参与英国国家经济与社会研究所和英格兰银行的政策制定研究，也曾担任香港金融管理局的访问学者。 | |||
