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ID:34045174
大小:3.93 MB
页数:68页
时间:2019-03-03
《商业银行小微企业贷款信用风险控制研究》由会员上传分享,免费在线阅读,更多相关内容在教育资源-天天文库。
1、商业银行小微企业贷款信用风险控制研究AbstractSmallandmicrobusinessesplayanirreplaceableroleintheexpansionofemployment,economicgrowthandencouraginginnovation,butthefinancingofsmallandmicrobusinesseshasbeenamajorprobleminChina’Seconomy.Asourcountrystrengthenscreditsupporttotheseenterprises,commercia
2、lbanksarealsofullyawareofitspotentialvalueandstartthesmallandmicrobusinessescreditserviceasoneofthechannelsforstablebusinessgrowth.However,comparedwiththelargeandmedium-sizedenterprises,thelivingspaceofsmallandmicrobusinessisnarrow.Bankslendtosmallandmicrobusinessestoobtainlarge
3、rspread,butalsobearthegreatercreditriskthanotherloanbusiness.”Highcreditrisk’’hasbecomeahandicapofsmallandmicrobusinessesloansdevelopment.Howtoanalyzeandcontrolthecreditriskofsmallandmicrobusinessesloansbecomethekeytosustainabledevelopmentforcommercialbanksmallandmicrobusinesses
4、creditbusiness.Thispaperintheperspectiveofcommercialbanksconductsacomprehensiveinductionofcreditriskcontroltechnologyandsystemtobuildagoodtheoreticalplatform.ThenfromthepracticeofChina’Scommercialbankslendingtosmallandmicrobusinesses,thepartanalyzesdetailedlythestatusquoofbanks’
5、creditriskcontrolfromthetechnicallevelofcreditlimit,guarantee,loanpricing,andtheinstitutionallevelofprocesscontrol,professionalinstitutionalmanagement,retailcreditmodel.Comparedwiththecurrentsituationofforeigncommercialbanksmallbusinesscreditriskcontrol,thepartsummarizesthemanag
6、ementproblemsofChina’Scommercialbanks:lackofprofessionalcredittechnology,imperfectcreditguaranteesystem,thepracticeresultofsmallbusinesscreditfranchiseeisnotsignificantandSOon.Inordertorevealthefinancialfactorsandnon—financialfactorsofsmallandmicroenterprisecreditdefaultrisk,emp
7、iricalpartconstructstheindexsystemoftherealdataandusesProbitmodeltoanalysisempiricallycreditdefaultsituationofsmallandmicrobusinessesinacommercialbankbranchinHunanprovince,concludingthatqualitativevariablessuchasrelevantenterprisesandentrepreneursinformationwhichhasstrongerexpla
8、natorypowerforsmallandmicrobusinessesdefaulttha
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