关系型贷款信用评分可行性研究

发布时间：2018-05-01 08:08

本文选题：小微企业 + 信息不对称　；参考：《上海交通大学》2013年硕士论文

【摘要】：小微企业在我国经济中发挥着重要的作用，从贡献税收收入到解决就业问题等等，然而小微企业融资问题一直是制约中小企业发展的难题。本文以泰隆银行为案例，研究分析在解决小微企业融资中信息不对称问题中，小微金融机构以组织结构上的优势，以及以社区化经营模式，通过关系型贷款解决信息不对称问题，从而解决中小企业融资难的实践经验。此外，对于银行及小微金融机构贷款业务，风险控制是金融机构可持续运营的关键，本文以泰隆银行为样本，，采用了银行真实贷款违约数据库中的大量一手数据，验证了在关系型贷款中采用信用评分机制的可行性，实证结果显示，信用评分机制在预测贷款违约上具有一定的可行性，从而证实了关系型贷款在一定程度上解决了信息不对称问题，金融机构通过社区化经营，长期与客户保持紧密联系，获取软信息，能够有效的提高风险控制能力。本文的案例实践研究以及实证研究为其它金融机构发展小额贷款，控制风险提供了参考依据。
[Abstract]:Small and micro enterprises play an important role in our country's economy, from contributing to tax revenue to solving the problem of employment. However, the financing problem of small and micro enterprises has been a difficult problem that restricts the development of small and medium-sized enterprises.
This paper, taking the Bank of Tai long as a case, studies and analyzes the practical experience of solving the problem of information asymmetry in small and micro enterprises in solving the problem of information asymmetry in the small and micro enterprises, and to solve the problem of information asymmetry through the relationship type loan, and to solve the difficulty of financing in small and medium-sized enterprises.
In addition, for banks and small and micro financial institutions loan business, risk control is the key to the sustainable operation of the financial institutions. This paper takes a sample of the bank as a sample, uses a large number of data in the bank's real loan default database, verifies the feasibility of adopting credit scoring mechanism in the relationship type loan. The empirical results show that the credit rating is evaluated. The sub mechanism has a certain feasibility in predicting the default of the loan, which confirms that the relational loan has solved the problem of information asymmetry to a certain extent. The financial institutions can maintain close contact with the customers and obtain soft information through community-based management, and can effectively improve the control ability of the risk of wind insurance.
The case study and empirical research provide reference for other financial institutions to develop small loans and control risks.

【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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