Scientific Research Publishing

Read  full  paper  at: http://www.scirp.org/journal/PaperInformation.aspx?PaperID=53925#.VNxesSzQrzE Author(s)  Wei Song 1 , Chao Yan 1,2 , Xiaobao Peng 1 , Shanshan Zheng 1   Affiliation(s) 1 School of Public Affairs, University of Science and Technology of China, Hefei, China . 2 Retail Business Department, Jiangsu Zijin Rural Commercial Bank Co., Ltd., Nanjing, China . ABSTRACT Financial supervision and financial innovation of commercial banks are the two eternal themes of modern financial development, the research of relationship between financial supervision and innovation has become the focus of financial sector research. Based on the study of financial supervision and innovation index of commercial banks, this paper establishes a coupling model for financial supervision and innovation of commercial banks and conducts an empirical research based on data contained annual reports of commercial banks listed in the form of A Share...

Read  full  paper  at: http://www.scirp.org/journal/PaperInformation.aspx?PaperID=40#.VNhq6CzQrzE Author(s)  Chen Zhang , Wei-Dong Zhu , Allen Garth , Yong Wu Affiliation(s) School of Management of HeFei University of Technology . School of Management of HeFei University of Technology . Monfort College of Business in University of Northern Colorado . School of Management of HeFei University of Technology . ABSTRACT The Small and medium-sized enterprises (SMEs) typically have very limited capital and rely on external finance although they may self-finance. When seeking external finance, most SMEs rely on the banking sector. Because the direct financial market and venture capital (VC) system need to be further improved in China, financing from commercial bank undoubtedly becomes the main support for hi-tech SMEs. While the high risk of hi-tech SMEs requires commercial banks make credit decision based on effective risk management. Focusing o...