银行对于中小微企业的信贷策略研究

Bank's Credit Strategy for Small, Medium and Micro Enterprises

近年来,随着我国中小微企业的发展,越来越多的银行开始关注针对这些企业的贷款决策以及利率的设定。本文给出银行对中小微企业贷款的决策及利率分配建议。基于TOPSIS模型,将影响银行贷款的决策因素作为评价指标。因为中小型企业数量过多,彼此之间的竞争更加激烈,中小型企业为了能够持续生存,提高自身竞争力,必须不断注入资金。而此类企业本身所拥有的资金规模相对较小,并不满足运维、发展需求,就需要向国家商业银行进行信贷贷款。然而中小型企业的信贷申请,对于企业本身以及银行而言都有相应风险,且现有银行信贷风险管理规定并不能充分抑制风险爆发,说明规定存在缺陷。本文为了提高信贷风险管理能效,将在创新视角下提出相关的管理策略。从银行的贷款收益最大化角度使用蒙特卡洛规划模型生成100万组随机数,其中银行收益的最大值决定每个企业的贷款利率以及贷款额度,再基于企业信誉和风险进行利率优惠调整。

In recent years,with the development of small,medium and micro enterprises in China,more and more banks begin to pay attention to the loan decision and interest rate setting for them.This paper gives some suggestions on banks'decision making and interest rate distribution of loans to small,medium and micro enterprises.Based on TOPSIS model,the decision-making factors that affect bank loans are taken as evaluation indexes.Due to the large number of small and medium-sized enterprises,the competition among them becomes much more intense.In order to survive and improve their competitiveness,those enterprises need constant capital injection.However,the capital scale owned by such enterprises is relatively small,failing to meet the needs of operation,maintenance and development.Therefore,they need to borrow credit loans from commercial banks.However,the credit application of small and medium-sized enterprises is risky for both enterprises and banks,while the existing management cannot fully get rid of the risks,indicating that the regulations have defects.In order to improve the effi ciency of credit risk management,this paper will put forward relevant management strategies from the perspective of innovation.From the perspective of maximizing the bank's loan income,the Monte Carlo programming model is used to generate 1 million groups of random numbers,in which the maximum bank income determines the loan interest rate and loan amount of each enterprise,and then the interest rate is adjusted based on the reputation and risk of the enterprise.