我国小企业贷款应用信用评分技术的研究

On Application of Credit Score Technology in Small Enterprise Loans

目前,信用评分技术的出现,使商业银行找到一种有效评价、防范小企业风险和控制贷款管理成本的信贷技术。本文试图设计研究符合我国国情的小企业信用评分系统,对于更好地实现小企业信贷业务的高效信贷审批、科学风险定价和稳健的风险管理具有一定的现实意义。

Commercial banks can prevent small enterprise management risks and control credit cost by credit score technology.This paper attempts to design credit score technology system to achieve efficient credit approval,science-based risk pricing and risk management for small enterprise loans.