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ID:34117687
大小:3.96 MB
页数:70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.Asourcountrystrengthenscreditsupporttotheseenterprise
2、s,commercialbanksarealsofullyawareofitspotentialvalueandstartthesmallandmicrobusinessescreditserviceasoneofthechannelsforstablebusinessgrowth.However,comparedwiththelargeandmedium-sizedenterprises,thelivingspaceofsmallandmicrobusinessisnarrow.Bankslendtosmallandmicrob
3、usinessestoobtainlargerspread,butalsobearthegreatercreditriskthanotherloanbusiness.”Highcreditrisk’’hasbecomeahandicapofsmallandmicrobusinessesloansdevelopment.Howtoanalyzeandcontrolthecreditriskofsmallandmicrobusinessesloansbecomethekeytosustainabledevelopmentforcomm
4、ercialbanksmallandmicrobusinessescreditbusiness.Thispaperintheperspectiveofcommercialbanksconductsacomprehensiveinductionofcreditriskcontroltechnologyandsystemtobuildagoodtheoreticalplatform.ThenfromthepracticeofChina’Scommercialbankslendingtosmallandmicrobusinesses,t
5、hepartanalyzesdetailedlythestatusquoofbanks’creditriskcontrolfromthetechnicallevelofcreditlimit,guarantee,loanpricing,andtheinstitutionallevelofprocesscontrol,professionalinstitutionalmanagement,retailcreditmodel.Comparedwiththecurrentsituationofforeigncommercialbanks
6、mallbusinesscreditriskcontrol,thepartsummarizesthemanagementproblemsofChina’Scommercialbanks:lackofprofessionalcredittechnology,imperfectcreditguaranteesystem,thepracticeresultofsmallbusinesscreditfranchiseeisnotsignificantandSOon.Inordertorevealthefinancialfactorsand
7、non—financialfactorsofsmallandmicroenterprisecreditdefaultrisk,empiricalpartconstructstheindexsystemoftherealdataandusesProbitmodeltoanalysisempiricallycreditdefaultsituationofsmallandmicrobusinessesinacommercialbankbranchinHunanprovince,concludingthatqualitativevaria
8、blessuchasrelevantenterprisesandentrepreneursinformationwhichhasstrongerexplanatorypowerforsmallandmicrobusinessesdefaulttha
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