小微企业销售货款结算信用度评价指标构建

The Construction of Creditworthiness Evaluation Indicators for Small and Micro Enterprises Sales Proceeds Settlement

借鉴阿里小贷和国内部分小型银行及美国富国银行对小微企业风险控制的做法,论证对小微企业信用评价"三手"新理念,基于对企业信用本质、贷方结算量、银行日均存款等企业和银行业务的基本认识,从理论上推导出"小微企业销售货款结算信用度"这一个能简单快捷对小微企业信用进行准确评价的信用评价指标,且对其是否能有效指导银行小微企业贷款的经营实践,从大数据采集、风险管理和贷款定价三个方面进行分析和论证,并提出一个收益覆盖风险的差别化小微企业贷款定价公式,以期对解决小微企业"融资难、融资贵"问题有新的启迪。

Taking the practices by Ali small loan, some small banks in China, and Wells Fargo Bank of the US regarding small and micro enterprises risk control, the paper discusses and proves the new concept of ＂three hands＂ for small and micro enterprise credit evaluation. Based on a fundamental understanding of enterprise and banking business such as the nature of enterprise credit, creditor settlement volume and bank daily deposits, the paper derives the ＂creditworthiness for small and micro enterprises sales proceeds settlement＂ in theory, which is a credit evaluation indicator to easily and accurately evaluate the credit of small and micro enterprises, discusses whether it can effectively guide the banks in small and micro enterprises loan practices from three aspects of data collection, risk management and loan pricing, and presents a differentiate SME loan pricing formula with proceeds covering risks so as to have a new inspiration for solving small and micro enterprises ＂financing difficulties, too high cost of financing problem＂.