中小企业贷款信用评价研究

Research on Credit Evaluation for Small and Medium Business's Loan Request

面对大量中小企业的贷款需求,商业银行首先需要按照一定的标准进行初步筛选,直接淘汰那些不符合自身要求的中小企业。对于经过初步筛选保留下来的中小企业,则进行信用评价。利用建立的中小企业信用评价指标和因子分析评价模型,可以将参加信用评价的中小企业分为两类,一类可以直接予以贷款,另一类则暂时不予贷款。

Facing enormous demand of credit of small and medium enterprises（SME）,in the first place,commercial banks need to carry out preliminary riddling according to certain standards,in order to weed out unqualified SME.As regards to those preserved SME,banks could proceed with credit evaluation.Through building credit evaluation indexes of SME and evaluation model based on factor analysis,banks can divide SME into two categories——one that can be given credit immediately,and the other which cannot be given credit for the moment.