Case analysis on loan risk management for the small-sized firms — From aspect of information barrier

The small-sized firms´ finance is an economic puzzle, and information barrier between the firms and the banks is the primary reason. After years of exploration and practice, private banks in Zhejiang Taizhou achieve much successful experience of breaking information barrier for the small-sized firms´ finance. This paper analyzed Zhejiang Tyrone bank´s successful experience on information management for the small-sized firms´ loan from aspects of information origin, information content and information use, and pointed out that there were some defects for the existing information management system´s loan information being attached to the individual. Finally, some measured were proposed to perfect the small-sized firms´ information management, including hardening and standardizing the credit information.