摘要
由于普遍缺乏系统性、标准化的中小企业授信模式支持,目前我国商业银行的中小企业授信业务及相关业务的推进速度、风险控制成效均受到一定的束缚或制约。本文就此提出了以各种授信集群为平台,借助集群核心介质的风险分担能力,在核心介质与集群内中小企业之间科学地规划与分布风险控制点,进而实现安全、快速、批量处理个案业务的系统性、标准化的中小企业授信模式,并相应给出了"或有授信额度"这一概念及其测算的具体方法和原理。
Lack of the support of systematic and standard credit pattern applicable to SMS enterprises, the developing speed of business around SMS enterprise＇s credit and the risk control efficiency are restrained. Given this background, the paper proposes a new and standard approach to make credit business to SMS enterprises. In detail, by using various credit groups and the core medium＇s risk sharing capability in each group, commercial banks can scientifically plan risk control points between the core medium and SMS enterprises in a credit group and ensure that each business can be disposed safely, rapidly and in batches. Moreover, the paper also puts forward a new concept contingent credit line and introduces how to estimate it.
出处
《金融论坛》
CSSCI
北大核心
2008年第2期32-36,共5页
Finance Forum
关键词
中小企业
I+N授信模式
或有授信额度
small-and-medium sized enterprise, “I＋N”credit pattern, contingent credit line
