小微企业授信风险防控中的非财务信息分析

The Non-Financial Information Analysis in Credit Risk Prevention and Control of Small and Micro-Sized Enterprises

在经济新常态背景下,金融机构改革应主动创新对小微企业的授信风险防控思路和方式,改善小微企业融资信息不对称的局面,加强对企业非财务分析的评判,提升授信决策能力。通过多年的信贷业务实践,总结出企业基本信息、股东背景信息、关联企业信息、行业信息、经营策略信息、银行流水信息、授信融资信息、或有负债信息、负面信息、业务背景信息等十条非财务分析。

In the context of the new normal of economy,the reform of financial institutions should take the initiative to innovate the ideas and methods of credit risk prevention and control for small and micro-sized enterprises,improve the situation of financing information asymmetry of small and micro-sized enterprises,strengthen the evaluation of non-financial analysis of enterprises,and improve the credit decision-making ability.Through years of credit business practice,this paper summarizes ten non-financial analysis items,including basic information of enterprises,background information of shareholders,information of affiliated enterprises,industry information,business strategy information,bank statement information,credit financing information,contingent liability information,negative information and business background information.