摘要
贷款品质的好坏直接影响商业银行的经营利润.本文运用LR模型对贷款人的基本情况进行实证研究,利用最终的模式得出的结论,可作为贷款品质好坏的一个审核标准,使信用政策更具弹性,并作为商业银行对顾客差别取价的依据.
Loan quality directly influences the profit of commercial bank＇s management. This article utilizes the LR model to study lender＇s basic situation, obtains the conclusion by using the final pattern, which can be used as a standard for verifying the loan quality. It makes the credit policy more flexible and can be taken as evidence for commercial banks to the price difference to customers.
出处
《安徽师范大学学报（自然科学版）》
CAS
2007年第2期195-198,共4页
Journal of Anhui Normal University(Natural Science)
关键词
贷款品质
差别分析法
参数估计
loan quality
difference analytic method
parameter estimation
