期刊文献+

我国商业银行小微企业信用风险成因分析 被引量:2

下载PDF
导出
摘要 随着我国经济发展步入新常态,小微企业经营环境面临较大变化,商业银行传统的小微企业逾期贷款不断增多,业务面临的风险加大。由于小企业贷款金额较小,采用传统的对公客户的风险管理模式带来的成本较高、效率较低,因此,商业银行要结合小企业客户自身特点因素,突破传统思维,有针对性地合理运用多种信息渠道,丰富和完善小企业客户的信息维度,建立适应于小企业信贷业务的风险管理体系。
出处 《海南金融》 2017年第6期68-73,82,共7页 Hainan Finance
  • 相关文献

二级参考文献95

  • 1李伟,成金华.基于信息不对称的中小企业融资的可行性分析[J].世界经济,2005,28(11):71-77. 被引量:42
  • 2黄燕茹.德国中小企业信用担保制度对我国的启示[J].河南社会科学,2006,14(6):80-82. 被引量:9
  • 3Berger, A N & Udell, G F , 2002, " Small Business Credit Availability and Relationship Lending. the Importance of Bank Organizational Structure" . Economic Journal, 112 (477), pp. 32-54.
  • 4Berger, A N & Udell, G F , 1998, "The Economics of Small Business Finance. the Role of Private Equity and Debt Markets in the Financial Growth Cycle", Journal of Banking and Finance, 22, pp.613-673.
  • 5Berger, A N & Udell, G F , 1990, "Collateral, Loan Quality,and Bank Risk", Journal of Monetary Economics, 25,pp.21-42.
  • 6Bemanke, B S & Gertler, M , 1995, "Inside the Black Box.The Credit Channel of Monetary Policy Transmission", Journal of Economic Perspective, 9, pp. 27-48.
  • 7Bemanke, B S , Gertler, M & Gilchrist, S , 1996, "The Financial Accelerator, and the Flight to Quality ", Review of Economics and Statistics,78, pp. 1-15.
  • 8Bran, J C , 2002, " Do Banks Price Owner-manager Agency Costs.'? An Examination of Small Business Borrowing", Journal of Small Business Management,40(4), pp.273-286.
  • 9Campbell, T S , & Kracaw, W. , 1980, " Information Production,Market Signalling, and the Theory of Financial Intermediation "Journal of Finance, 35, pp. 863-882.
  • 10Cole, R A , 1998, "The Importance of Relationships to the Availability of Credit", Journal of Banking and Finance, 22, pp. 959-977.

共引文献345

同被引文献5

引证文献2

二级引证文献5

相关作者

内容加载中请稍等...

相关机构

内容加载中请稍等...

相关主题

内容加载中请稍等...

浏览历史

内容加载中请稍等...
;
使用帮助 返回顶部