基于信贷风险对银行信贷策略的研究

Research on Bank Credit Strategy Based on Credit Risk

在中国经济市场中,中小微企业是促进经济增长的一支中坚队伍。但是由于中小微企业规模相对较小、同时缺乏抵押资产,所以银行通常会根据信贷政策、票据信息以及上下游公司的影响,向拥有强大稳定供求关系的公司提供贷款,而不会中小微企业的贷款需求放在首位。银行根据其优势和声誉评估中小企业的信用风险,然后根据信用风险等因素确定贷款和信用策略,例如贷款限额,利率和期限。本文会针对中小微企业的信贷决策问题给出改进的信贷评估方案,以提高问题解决效率及应用范围。

In the Chinese economic market,small,medium and micro enterprises are a backbone team that promotes economic growth.However,due to the relatively small scale of small,medium and micro enterprises and lack of mortgage assets,banks usually provide loans to companies with a strong and stable supply and demand relationship based on credit policies,bill information,and the influence of upstream and downstream companies,rather than small,medium and micro enterprises.Loan demand is the top priority.Banks assess the credit risk of SMEs based on their strengths and reputation,and then determine loans and credit strategies based on factors such as credit risk,such as loan limits,interest rates and terms.This article will give an improved credit evaluation plan for the credit decision-making problems of small,medium and micro enterprises to improve the efficiency of problem solving and the scope of application.