西安财经学院学报
西安財經學院學報
서안재경학원학보
Journal of Xi‘an Institute of Finance & Economics
2009年
5期
71~74
,共null页
信贷制度 现金流量分析 关系型小额贷款
信貸製度 現金流量分析 關繫型小額貸款
신대제도 현금류량분석 관계형소액대관
the credit system; the cash flow; the relevent micro-credit
小额贷款的现金流量分析有利于解决信贷交易的信息不对称性，在一定程度上可以控制小额贷款的运行风险。本文从信贷制度创新视角介绍了中小银行小额贷款的贷前调查中现金流量分析的基本步骤，分析了关系型小额贷款为银企双方接受的基本原因，提出了有利于小额贷款持续健康发展的合理化建议。
小額貸款的現金流量分析有利于解決信貸交易的信息不對稱性，在一定程度上可以控製小額貸款的運行風險。本文從信貸製度創新視角介紹瞭中小銀行小額貸款的貸前調查中現金流量分析的基本步驟，分析瞭關繫型小額貸款為銀企雙方接受的基本原因，提齣瞭有利于小額貸款持續健康髮展的閤理化建議。
소액대관적현금류량분석유리우해결신대교역적신식불대칭성，재일정정도상가이공제소액대관적운행풍험。본문종신대제도창신시각개소료중소은행소액대관적대전조사중현금류량분석적기본보취，분석료관계형소액대관위은기쌍방접수적기본원인，제출료유리우소액대관지속건강발전적합이화건의。
Analyzeing the cash flow of micro- credit in the view of the system innovation is usetul for solving the asymmetric information in the credit transactions, and controling the operation risk of the microcredit, which has been proved by the experiences of the small banks in Zhejiang province such as Taizhou Commercial Bank, ect. The paper shows the measures of the analysis of the cash flow from the credit system innovation, the cause of the relevent micro - credit was used for the banks and enterprises and proves the suggestions for the development of the micro-credit system.
