CAJ | 학술논문

为提高商业银行评价小微企业信用的有效性，在提高支持小微企业力度的同时降低商业银行的贷款风险，我们采用比较分析法，选择了美国、日本、印度的小微企业信用评价模型作为参照系，对比并揭示我国现行的小微企业信用评价模型存在信用评价分值的确定过于依赖主观判断、评价标准过于笼统僵化、反映企业领导者素质及企业商誉的指标权重过低等缺陷。建议采取细分定量指标标准、设定合理的定性指标、设立能充分反映风险的评价指标权重、建立完善的全国性征信系统、研发针对小微企业特点的信用评价标准等措施，完善中国的小微企业信用评价模型。
위제고상업은행평개소미기업신용적유효성，재제고지지소미기업력도적동시강저상업은행적대관풍험，아문채용비교분석법，선택료미국、일본、인도적소미기업신용평개모형작위삼조계，대비병게시아국현행적소미기업신용평개모형존재신용평개분치적학정과우의뢰주관판단、평개표준과우롱통강화、반영기업령도자소질급기업상예적지표권중과저등결함。건의채취세분정량지표표준、설정합리적정성지표、설립능충분반영풍험적평개지표권중、건립완선적전국성정신계통、연발침대소미기업특점적신용평개표준등조시，완선중국적소미기업신용평개모형。
In order to improve the effectiveness of commercial banks to evaluate small and micro businesses and to reduce the loan risk of commercial banks,the authors use the method of comparative analysis and choose the small and micro businesses credit evaluation model in American,Japan and India as reference. The comparison shows the defects of the small and micro businesses credit evaluation model in China,such as the too much subjective judgment,the too general and rigid evaluation standards and the too low weights of indexes reflecting the enterprise leader's quality and the enterprise goodwill. The authors also put forwards that we should adopt subdivision index standard,set reasonable qualitative index,determine the weight of evaluation index reflecting risk,establish the national credit reporting system and carry out research on the credit evaluation standards of small and micro businesses to improve the credit evaluation model for small and micro enterprise in China.