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下面为大家整理一篇优秀的assignment代写范文- Differences in bank loans，供大家参考学习，这篇论文讨论了银行贷款的差异。银行贷款是企业的重要融资渠道，对企业的融资和经营有着重要的影响。大型企业相对中小企业具有一定的银行贷款优势。一方面大型企业在经营方面更具有稳定性，从一定程度上证明了企业有还债的能力。另外大型企业持有更多的可抵押资产，在抵押银行贷款融资活动中，更多的可抵押资产可以为大型企业赢得更多银行贷款的机会。

Bank loan is an important financing channel for enterprises, which has an important influence on enterprises' financing and operation. In China's current economic environment, bank lending is often colored. In this paper, the reasons for this bias will be analyzed. The analysis shows that large enterprises with good financial performance will have a certain continuity in future operation and more mortgable assets. At the same time, they will have more investment opportunities because they have information advantages and risk advantages, so they will have more financing needs and finally get more bank loans with long term and large scale. For most state-owned enterprises, large state-owned enterprises, there are all large enterprises loan advantage, at the same time its government background, the formation of the collateral, state-owned enterprises assume more important in national economy in the field of large investment, its management problems more makes state-owned enterprises rely on external bank loan financing, the final performance for the state-owned enterprises have more long term big bank loans.

The social division of labor and the scale of production are the important characteristics of modern enterprises. In this case, debt has become an important means of corporate financing. From a financial perspective, as long as the return on capital is greater than the cost of capital, enterprises have the interest motive to borrow money to pursue greater returns, which is another reason why debt is common in modern enterprises.

In China's economic reality, the debt of Chinese enterprises is mainly concentrated in bank loans. And existing research shows that Banks are lending with colored glasses. This paper will study the reasons for the choice of Banks from the perspective of Banks. It also helps enterprises to better manage financing.

On the one hand, the supervision function of Banks on enterprises is to examine the financial status of enterprises and other relevant indicators; on the other hand, it is to restrict the behaviors of enterprises through debt contracts. Through the above supervisory role, Banks can help select enterprises with certain solvency to control the risk behaviors of enterprises, ultimately reduce the possibility of enterprises violating the debt contract and reduce the non-performing loans of Banks.

Large enterprises have certain advantages over small and medium-sized enterprises in bank loans. On the one hand, large enterprises are more stable in their operations. When predicting the future business performance of enterprises, such operational stability proves to some extent that enterprises can assume the obligation to repay debts. For creditors, the default risk of large enterprises is low. On the other hand, when examining the business performance of enterprises in the past, large enterprises have better financial performance. Although these financial data are based on the past of enterprises, they can prove the resource utilization efficiency and management level of enterprises to a certain extent. Under the assumption of stable operation of enterprises, financial performance also has continuity, so as to ensure enterprises have better solvency in the future. In addition, large enterprises hold more mortgage assets. In mortgage financing activities, more mortgage assets can win more opportunities for large enterprises to obtain bank loans.

From the perspective of the term and scale of loans, large enterprises have the above advantages in obtaining bank loans, while investment activities of large enterprises are mostly large and long-term projects. Therefore, in terms of the term and scale of bank loans, bank loans of large enterprises are characterized by long term and large scale. The lower risk of default by large companies has also helped make it easier for companies to get longer-term, larger bank loans.

In terms of property rights, state-owned enterprises have the advantage of obtaining bank loans. On the one hand, state-owned enterprises are mostly enterprises of a certain scale. On the other hand, state-owned enterprises have more government background, which forms a kind of guarantee for state-owned enterprises to some extent. In the view of Banks, such implicit guarantee can reduce the possibility of enterprise default and thus reduce the loan risk of Banks. In addition, under the current economic environment and institutional conditions in China, many business decisions and operations of state-owned enterprises are subject to administrative interference, which is politically tinged. In this case, the government will intervene in the bank loan business through political power, so as to help state-owned enterprises obtain bank loans.

No matter for market reasons or for administrative intervention, state-owned enterprises often make investment decisions for long-term large-scale investment projects, which makes most of the bank loans obtained by state-owned enterprises show long term and large scale. And the property rights of state-owned enterprises have made Banks more inclined to lend to them for longer and larger periods of time.

The deposit and loan business is the most essential and core business of the bank and also one of the profit sources of the bank. Therefore, from the perspective of enterprises, enterprises have the demand for debt financing, and from the perspective of Banks, Banks have the incentive to provide loans to foreign countries to obtain interest. In order to form a debt relationship between enterprises and Banks, the financing needs of enterprises and the motivation of Banks to lend are indispensable basis, both of which are indispensable.

Large enterprises have more financing needs than small and medium-sized enterprises. From the perspective of investment opportunities, large enterprises have stronger information collection ability and more information sources, which enables them to obtain more investment opportunities through information advantages. From the Angle of risk, in the process of investment activities, investment income and investment risk are parallel, and large enterprises have a higher risk management efficiency, stronger ability of risk control and risk bearing force stronger, so in the face of the same investment projects, large enterprises more than the small and medium-sized enterprises will also are more likely to invest, also will make large enterprises have more financing needs. Therefore, more financing needs also provide a prerequisite for large enterprises to have more bank loans.

Information, risk awareness and risk bearing ability differences will make large enterprises and small and medium-sized enterprises in the investment activities showed obvious distinguish, large enterprises will be more likely to undertake large projects of investment, which further determines the financing needs of the large companies will be more inclined to long term big bank loans.

State-owned enterprises have more financing needs than non-state-owned enterprises. First, soes are mostly large enterprises and play a supporting role in important areas of the national economy, such as energy. The investment activities of enterprises in these areas mainly focus on long-term and large-scale investment projects of strategic significance to the national economy and national security, which also makes state-owned enterprises have greater financing needs. Second, because of the lacking of the role of all state-owned enterprises and administrative intervention and other special reasons resulted in the state-owned enterprises at a low level of corporate governance and resource management efficiency of state-owned enterprises will be more likely to have the funds liquidity problems, the phenomenon of debt management inefficiency, thus will rely more on debt, in particular, bank debt, which is more bank debt financing needs.

Can be seen from the above analysis, the enterprise financing demand and bank lending requirements is the important basis of debt relations formed between the fact, and large enterprises and state-owned enterprises because of greater financing needs and more accord with the standard of supervision of the bank, so would have the advantage of access to bank loans, and show the characteristics of long maturity scale.

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