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软信息收集在中小企业贷款“信贷工厂”模式中的重要作用 被引量:2

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摘要 本文在分析我国中小企业贷款难的多方面原因的基础上,介绍了中小企业贷款新模式"信贷工厂"。"信贷工厂"模式的三方面内容包括流程化、标准化和软信息。在流程化和标准化的基础上,如何加强和完善对企业软信息的收集与处理是信贷工厂能否成功、能否高效和能否持续运作的关键。对此建议应长期、直接、多渠道地收集信息,加强信贷人员的素质培训和激励机制,同时做好风险管理工作。
作者 宋徐徐 许丁
出处 《经济体制改革》 CSSCI 北大核心 2012年第1期149-152,共4页 Reform of Economic System
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