CAJ | 학술논문

商业银行对于中小企业贷款业务面临两大难题：信息不对称带来的潜在风险和融资成本相对较高。大数据时代对于商业银行面向中小企业融资服务提出了新的要求。基于产品开发的黑箱理论，以国内外广泛应用的效率评价方法---数据包络分析（DEA）作为框架，以基于中小企业特点的甄选后的财务指标作为内容，可以构建中小企业融资评估模型并对北京市一批中小企业进行实证分析。该模型由商业银行后台操作，形成系统的量化的中小企业融资价值的评价，对中小企业融资产品的未来趋势有着启发性的意义。
상업은행대우중소기업대관업무면림량대난제：신식불대칭대래적잠재풍험화융자성본상대교고。대수거시대대우상업은행면향중소기업융자복무제출료신적요구。기우산품개발적흑상이론，이국내외엄범응용적효솔평개방법---수거포락분석（DEA）작위광가，이기우중소기업특점적견선후적재무지표작위내용，가이구건중소기업융자평고모형병대북경시일비중소기업진행실증분석。해모형유상업은행후태조작，형성계통적양화적중소기업융자개치적평개，대중소기업융자산품적미래추세유착계발성적의의。
Commercial bank lending is facing two major challenges for SMEs:Potential risks of informa-tion asymmetry and relatively high financing costs. New situation has emerged on commercial bank financing for SMEs in the age of big data. The paper has built the financing assessment black box model for SMEs of commercial bank,which is based on methods of DEA model,and the filtered financial indicators especially for SMEs. The paper also has completed empirical studies of a number of information technology SMEs in Beijing by this model. It proved that this commercial bank background-operated model can form systematic and quantized evaluation for investment value of SMEs,which is both constructive and enlightening for future trends of SME financial products.