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包商银行微小企业贷款信贷技术研究

发布时间:2019-01-05 14:22
【摘要】:随着我国改革开放的不断深入,微小企业在国民经济中的地位和作用日益凸显。快速发展的微小企业对金融支持提出了迫切的要求,但由于微小企业资产规模小、透明度较低、缺乏抵押物、融资规模小等原因,我国微小企业融资难问题仍然比较突出,已经成为制约微小企业发展的重要因素之一。解决微小企业融资难这一问题的关键就是创新出一种适合微小企业的信贷技术,包商银行在引进德国工PC公司的技术和理念后,将德国IPC微贷技术进行标准化、固化及优化,创建了属于自己的一套以基础数据为依据的、科学的、适合中国国情的微贷技术。 包商银行微小企业贷款信贷技术是通过信贷调查技术收集客户的信息,并运用信息分析技术对收集的信息进行分析,从而确定客户的风险性,这一信贷技术能够有效地解决信息不对称的问题。本文通过对包商银行的微小企业贷款信贷技术进行研究,系统地对包商银行所采用的信贷技术进行了全面审视和总结,发现该信贷技术在适用于大金额案例、分析技术成本等方面存在局限性,提出应通过大金额案例技术提炼、开展批量业务等方法对信贷技术进行改进,使信贷技术能够更加的成熟及完善,促进包商银行微小企业贷款信贷技术与时俱进。
[Abstract]:With the deepening of China's reform and opening up, the status and role of micro-enterprises in the national economy are increasingly prominent. The rapid development of small and medium-sized enterprises put forward an urgent demand for financial support. However, due to the small scale of small enterprises' assets, low transparency, lack of collateral, small scale of financing and other reasons, the financing difficulties of small and medium-sized enterprises in China are still relatively prominent. It has become one of the important factors restricting the development of micro-enterprises. The key to solve this problem is to innovate a credit technology suitable for small and medium-sized enterprises. After introducing the technology and concept of PC, the contractor bank standardized, solidified and optimized the German IPC microloan technology. We have created our own set of micro-loan technology based on basic data, scientific and suitable for China's national conditions. The small and micro enterprise loan credit technology of the contractor bank is to collect the customer's information through the credit survey technology, and use the information analysis technology to analyze the information collected, so as to determine the risk of the customer. This credit technology can effectively solve the problem of information asymmetry. Based on the research on the credit technology of micro-enterprise loan in the contractor bank, this paper systematically reviews and summarizes the credit technology used by the contractor bank, and finds that the credit technology is suitable for large amount of cases. This paper analyzes the limitations of technology cost, and puts forward that the credit technology should be improved by means of large amount of case technology extraction and batch operation, so that the credit technology can be more mature and perfect. Promote contractor bank micro-enterprise loan credit technology with the times.
【学位授予单位】:内蒙古大学
【学位级别】:硕士
【学位授予年份】:2014
【分类号】:F832.4

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