上海金融
上海金融
상해금융
Shanghai Finance
2011年
12期
114~116
,共null页
大数定律 小微企业 授信模式
大數定律 小微企業 授信模式
대수정률 소미기업 수신모식
The Law of Large Numbers; Micro and Small Enterprises; Credit Model
贷款难一直是小微企业面临的最大问题。商业银行从自身盈利角度出发，面对日渐突出的金融脱媒现象，经营思路亟需转型，开发小微企业贷款业务以开辟新的业务增长点。本文基于大数定律，从商业银行角度出发，分析了小微企业授信模式。授信模式的选择和贷款利率确定是本文研究的两个重要方面，风险管拄贯穿整个授信过程。
貸款難一直是小微企業麵臨的最大問題。商業銀行從自身盈利角度齣髮，麵對日漸突齣的金融脫媒現象，經營思路亟需轉型，開髮小微企業貸款業務以開闢新的業務增長點。本文基于大數定律，從商業銀行角度齣髮，分析瞭小微企業授信模式。授信模式的選擇和貸款利率確定是本文研究的兩箇重要方麵，風險管拄貫穿整箇授信過程。
대관난일직시소미기업면림적최대문제。상업은행종자신영리각도출발，면대일점돌출적금융탈매현상，경영사로극수전형，개발소미기업대관업무이개벽신적업무증장점。본문기우대수정률，종상업은행각도출발，분석료소미기업수신모식。수신모식적선택화대관리솔학정시본문연구적량개중요방면，풍험관주관천정개수신과정。
The biggest problem confronting micro and small enterprises is the difficulty in credit. In the back-ground of financial disintermediation, in order to keep profitability, commercial banks need to transform operation and develop new loan businesses targeting micro and small enterprises. Based on the law of large numbers, from the angle of, commercial banks, the paper analyzes credit model of micro and small enterprises. The selection of credit mode and the determination of interest rate are two important aspects in the research, while the management and control of risks runs through the process of credit.
