基于企业商业年龄的信贷风险分析

Credit Risk Analysis Based on Enterprise Business Age

信贷风险其研究对象涉及企业、个人等组成的社会群体 ,影响因素具有定性、定量相结合的特征·基于企业商业年龄 ,研究信贷风险状态的Logistic回归模型和寿命分布的概率模型 ,并给出信贷风险控制的案例计算·结果表明 ,贷款总额一定时 ,贷款额度分配受到贷款风险损失的限制 ,银行不能满足全部企业的贷款需求 ,而从银行收益角度 ,倾向于选择高贷款利率的企业·

Credit risks are obviously different from general risks. The research project objective of the credit risks are the organizations composing of enterprises and individuals. The factors effecting bankrupty risks have quantitative and qualitative characteristics. On the basis of age of enterprise and business, logistic regression model of the credit risk state probability model of life distribution were studied and the case calculation of credit risk control was given. When loan total sum is certain the distribution of loan quantity is limited by the loan risk losses. The banks can not satisfy the loan requirement of an enterprises. From the view of the profit,the banks tend to select the enterprise the high loan rate.