摘要
中小企业与银行的信息不对称程度较深是银行难以准确评价贷款信用风险的重要原因。改变过去定性分析为主的方式,建立以财务状况为基础、企业及其负责人信息定量化的中小企业信用评分模型,将为银行准确、低成本地评估信用风险提供参考依据。目前建立客户化模型比通用化模型更切合实际,具有较好的准确性。
The information asymmetry between Small -and -Medium Sized Enterprises and banks is the important factor of inaccurate evaluation the Credit Risk. Redesign the credit scoring model based on the financial status and analyses quantitatively the information of the enterprises of the small - and - medium sized enterprises in China is useful to enhance the veracity and applicability of the model. Client model, which is exact, is more applied than currency model.
出处
《经济与管理》
2005年第11期70-72,共3页
Economy and Management
基金
贵州省高等学校人文社会科学研究基地基金
关键词
中小企业
信用评分模型
信用风险评估
small -and -medium sized enterprises
credit scoring model
credit risk evaluation
