Exploring Innovative Models of Commercial Banks Supporting Specialized and Unique Enterprises:Case Analysis Based on Grounded Theory
Specialized,refined,and innovative enterprises are the leaders of small and medium－sized en-terprises.However,due to their characteristics of light assets and lack of traditional collateral,tradi-tional credit models cannot meet their financing needs.Commercial banks,as important entities in Chi-na's financial system,are the main force supporting"specialized,refined,unique,and innovative"en-terprises.To explore innovative models for commercial banks to support the development of specialize-d,refined,and innovative enterprises,case studies from 6 banks and 5 enterprises were used as the re-search basis.Using the grounded theory method,9 core categories were summarized,and based on this,the logical relationship chain of"external environment demand driven internal control fund finan-cing"was further derived.This provides a new perspective for understanding the innovative models of commercial banks supporting specialized,refined,and innovative enterprises,and proposes countermeas-ures and suggestions to promote the development of specialized,refined,and innovative enterprises from the perspectives of the government,banks,and enterprises.
Commercial BanksSpecialized and Innovative EnterprisesInnovative ModeGrounded Theory
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