【摘要】：隨著我國(guó)改革開(kāi)放的不斷深入,微小企業(yè)在國(guó)民經(jīng)濟(jì)中的地位和作用日益凸顯。快速發(fā)展的微小企業(yè)對(duì)金融支持提出了迫切的要求,但由于微小企業(yè)資產(chǎn)規(guī)模小、透明度較低、缺乏抵押物、融資規(guī)模小等原因,我國(guó)微小企業(yè)融資難問(wèn)題仍然比較突出,已經(jīng)成為制約微小企業(yè)發(fā)展的重要因素之一。解決微小企業(yè)融資難這一問(wèn)題的關(guān)鍵就是創(chuàng)新出一種適合微小企業(yè)的信貸技術(shù),包商銀行在引進(jìn)德國(guó)工PC公司的技術(shù)和理念后,將德國(guó)IPC微貸技術(shù)進(jìn)行標(biāo)準(zhǔn)化、固化及優(yōu)化,創(chuàng)建了屬于自己的一套以基礎(chǔ)數(shù)據(jù)為依據(jù)的、科學(xué)的、適合中國(guó)國(guó)情的微貸技術(shù)。 包商銀行微小企業(yè)貸款信貸技術(shù)是通過(guò)信貸調(diào)查技術(shù)收集客戶的信息,并運(yùn)用信息分析技術(shù)對(duì)收集的信息進(jìn)行分析,從而確定客戶的風(fēng)險(xiǎn)性,這一信貸技術(shù)能夠有效地解決信息不對(duì)稱的問(wèn)題。本文通過(guò)對(duì)包商銀行的微小企業(yè)貸款信貸技術(shù)進(jìn)行研究,系統(tǒng)地對(duì)包商銀行所采用的信貸技術(shù)進(jìn)行了全面審視和總結(jié),發(fā)現(xiàn)該信貸技術(shù)在適用于大金額案例、分析技術(shù)成本等方面存在局限性,提出應(yīng)通過(guò)大金額案例技術(shù)提煉、開(kāi)展批量業(yè)務(wù)等方法對(duì)信貸技術(shù)進(jìn)行改進(jìn),使信貸技術(shù)能夠更加的成熟及完善,促進(jìn)包商銀行微小企業(yè)貸款信貸技術(shù)與時(shí)俱進(jìn)。
[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.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4

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本文編號(hào)：2401879