小微企业批量授信模式设计

发布时间：2018-01-18 15:09

本文关键词：小微企业批量授信模式设计　出处：《银行家》2013年07期 　论文类型：期刊论文

【摘要】：正在小微企业批量授信的问题上,理论界与实务界都存在一些争论。有些人认为小微企业授信不能批量操作,因为批量模式难以控制形态各异的风险因素。另一些人认为小微企业批量授信代表了小微企业业务的未来,劳动密集型的模式难以持续。在这个问题上,笔者倾向于后者。通过与小微企业专营机构建设的结合,重建与小微企业批量授信相一致的流程、技术与信息系统,小微企业批量授信的模式颠覆了传统的理念和做法,将把小微金融推进到前所未有的境界。信息甄别与风险过滤机制设计之所以众多实务界的人士坚持认为小微企业授信难以批量操作,是因为商业银行的实践已经反复强调了这样的事实:小微企业千差万别,授信尽职调查阶段、风险评价、审批阶段、授信后管理阶段都需要大量的信息,这些信息的取得唯有通过精细化的现场调查才能够取得。其实,商业银行完全可以另辟蹊径,获得授信业务所需要的信息,也可以通过信息甄别机制、风险过滤机制的设计,实现逐户尽职调查达到的效果,从而支持批量操作模式全流程所需要的信息。正因为如此,商业银行批量授信模式在理论上成为可能。建立与小微企业批量授信模式相一致的信息收集渠道。在
[Abstract]:On the issue of batch credit for small and micro enterprises, there are some arguments between the theoretical and practical circles. Some people think that small and micro enterprises can not operate in batches. Because the batch model is difficult to control the various risk factors, others believe that the small and micro enterprise bulk credit will represent the future of the small and micro enterprise business, and the labor-intensive model is not sustainable. On this issue. The author is inclined to the latter. Through the combination of the construction of the small and micro enterprise franchise, the reconstruction of the process, technology and information system is consistent with the batch credit of the small and micro enterprise. The model of batch credit for small and micro enterprises subverts traditional ideas and practices. Information screening and risk filtering mechanism design is the reason why so many practitioners insist that small and micro enterprise credit is difficult to operate in batches. Because the practice of commercial banks has repeatedly stressed the fact that small and micro enterprises vary widely, credit due diligence stage, risk evaluation, approval stage, post-credit management stage all need a lot of information. In fact, the commercial banks can find a new way to obtain the information needed by the credit business, but also through the information screening mechanism. The design of risk filtering mechanism realizes the effect of door-to-door due diligence so as to support the information needed in the whole process of batch operation mode. It is theoretically possible to establish a batch credit model for commercial banks. Establish information collection channels consistent with the batch credit model for small and micro enterprises.
【作者单位】：北京大学光华管理学院博士后流动站;
【分类号】：F276.3;F832.4
【正文快照】： 在小微企业批量授信的问题上，理论界与实务界都存在一些争论。有些人认为小微企业授信不能批量操作，因为批量模式难以控制形态各异的风险因素。另一些人认为小微企」E批量授信代表了小微企业业务的未来，劳动密集型的模式难以持续。在这个问题上，，笔者倾向于后者。通过与小

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