我国银行小企业信贷模式与风险管理研究——基于银行问卷调研的分析

Study on the Business Model and Risk Management of Small Enterprise Lending of Chinese Banks

本文在对银行进行问卷调查和访谈的基础上研究我国银行小企业贷款的业务模式及风险管理状况,并研究国际上先进银行倡导的以信用打分模型为基础的零售模式在我国的适用性。本文认为,现行公司信贷模式导致了银行在小企业贷款发展和风险管理上陷入困境,银行应借鉴国际经验,提高风险管理科技含量,同时结合我国大银行和小银行的不同特点探索建立新的小企业信贷模式。

This study is based on the survey and interviews about the business model and risk management of small enterprise lending in Chinese banks. It also analyses the credit scoring - based retail model, which is advocated by advanced western banks, and its application in Chinese banks. It is concluded that the current cor porate banking model causes the difficulties of small enterprise lending in Chinese banks, and a new business model should be established where international experience should be borrowed and more modern banking technologies should be applied with combination of the particularities of big and small banks in China.