基于信用评价的小微企业信贷需求有效性实证分析
发布时间：2019-02-23 15:06
【摘要】：近年来商业银行的客户结构正面临着重大调整,小微企业逐渐成为商业银行的客户主体是大势所趋,如何从众多的小微企业中发现和培育出优质、稳定的客户群体,进而判断哪些是有效信贷需求是当前面临的难题,因此建立一个评价小微企业贷款有效性的理论和评价体系就显得非常重要。本文通过设计一套完整的小微企业贷款有效性信用评价指标体系,构建小微企业信用风险评估模型,对小微企业的综合信用情况进行评分,并根据综合信用得分来分析小微企业有效贷款需求问题。
[Abstract]:In recent years, the customer structure of commercial banks is facing great adjustment. It is the trend that small and micro enterprises gradually become the main body of customers of commercial banks. How to find and cultivate a high quality and stable customer group from many small and micro enterprises, Therefore, it is very important to establish a theory and evaluation system to evaluate the loan effectiveness of small and micro enterprises. This paper designs a complete credit evaluation index system for the loan effectiveness of small and micro enterprises, constructs a credit risk assessment model of small and micro enterprises, and scores the comprehensive credit situation of small and micro enterprises. And according to the comprehensive credit score to analyze the small and micro enterprises effective loan demand.
【作者单位】： 中国人民银行武汉分行;中国人民银行黄石市中心支行;
【分类号】：F832.4
本文编号：2428940
[Abstract]:In recent years, the customer structure of commercial banks is facing great adjustment. It is the trend that small and micro enterprises gradually become the main body of customers of commercial banks. How to find and cultivate a high quality and stable customer group from many small and micro enterprises, Therefore, it is very important to establish a theory and evaluation system to evaluate the loan effectiveness of small and micro enterprises. This paper designs a complete credit evaluation index system for the loan effectiveness of small and micro enterprises, constructs a credit risk assessment model of small and micro enterprises, and scores the comprehensive credit situation of small and micro enterprises. And according to the comprehensive credit score to analyze the small and micro enterprises effective loan demand.
【作者单位】： 中国人民银行武汉分行;中国人民银行黄石市中心支行;
【分类号】：F832.4
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