CAJ | 학술논문

基于商业银行小额信贷的整体目标,根据信息不对称理论和小额贷款的自身特点,构建了商业银行小额贷款的风险结构模型;通过调查所得数据,运用AHP决策分析与模糊综合评判,对调查数据进行了综合分析与评估。结果表明,该评估模型对指导商业银行开展小额贷款风险评估具有重要借鉴意义。
기우상업은행소액신대적정체목표,근거신식불대칭이론화소액대관적자신특점,구건료상업은행소액대관적풍험결구모형;통과조사소득수거,운용AHP결책분석여모호종합평판,대조사수거진행료종합분석여평고。결과표명,해평고모형대지도상업은행개전소액대관풍험평고구유중요차감의의。
Based on the overall goal of commercial banks micro-credit and its characteristics of asymmetric information theory and micro-credit,this paper builds the risk structure model of commercial banks micro-credit.By questionnaire survey,the analytic hierarchy process and fuzzy comprehensive evaluation,this paper take a analysis and assessment.It shows that the evaluation model has important significance to guide commercial Banks which take microfinance risk assessment.