国内外小企业信用评分研究动态

Domestic and Overseas Researches on Small Business Credit Scoring

作为一项发展潜力巨大的金融创新技术,小企业信用评分在国外的银行小企业贷款中应用较广,但在我国却一直未受到应有的关注。与传统的信贷管理技术相比,信用评分法在很大程度上可实现小企业贷款处理的自动化,提高贷款审批和处理的效率,有助于银行更精确地为贷款定价。国内外诸多研究都表明,信用评分技术适合应用于小企业贷款业务,能够提高小企业的信贷可获得性,对解决小企业融资难的困境有很大帮助。本文对小企业信用评分的特点、技术、应用模型等进行了系统阐述和总结,希望能对进一步的研究有所启示。

Small business credit scoring is a creative financial strategy which receives far less attention in our country. Compared with traditional lending techniques, credit scoring realizes handling loans automatically to a large degree and thus improves the efficiency of approving and screening out loan applicants, which helps banks price these loans more exactly based on the credit risk involved. Large quantities of studies indicate that credit scoring works well in small business lending and can improve the credit availability of small businesses. This paper summarizes the foreign and domestic studies on small business credit scoring after expounding small business credit scoring systematically, which is supposed to be helpful for future studies.