資源描述：
《商業(yè)銀行小微企業(yè)貸款信用風(fēng)險(xiǎn)控制研究》由會(huì)員上傳分享，免費(fèi)在線閱讀，更多相關(guān)內(nèi)容在教育資源-天天文庫(kù)。
1、商業(yè)銀行小微企業(yè)貸款信用風(fēng)險(xiǎn)控制研究AbstractSmallandmicrobusinessesplayanirreplaceableroleintheexpansionofemployment，economicgrowthandencouraginginnovation，butthefinancingofsmallandmicrobusinesseshasbeenamajorprobleminChina’Seconomy．Asourcountrystrengthenscreditsupporttotheseenterprises，commercia
2、lbanksarealsofullyawareofitspotentialvalueandstartthesmallandmicrobusinessescreditserviceasoneofthechannelsforstablebusinessgrowth．However，comparedwiththelargeandmedium-sizedenterprises，thelivingspaceofsmallandmicrobusinessisnarrow．Bankslendtosmallandmicrobusinessestoobtainlarge
3、rspread，butalsobearthegreatercreditriskthanotherloanbusiness．”Highcreditrisk’’hasbecomeahandicapofsmallandmicrobusinessesloansdevelopment．Howtoanalyzeandcontrolthecreditriskofsmallandmicrobusinessesloansbecomethekeytosustainabledevelopmentforcommercialbanksmallandmicrobusinesses
4、creditbusiness．Thispaperintheperspectiveofcommercialbanksconductsacomprehensiveinductionofcreditriskcontroltechnologyandsystemtobuildagoodtheoreticalplatform．ThenfromthepracticeofChina’Scommercialbankslendingtosmallandmicrobusinesses，thepartanalyzesdetailedlythestatusquoofbanks’
5、creditriskcontrolfromthetechnicallevelofcreditlimit，guarantee，loanpricing，andtheinstitutionallevelofprocesscontrol，professionalinstitutionalmanagement，retailcreditmodel．Comparedwiththecurrentsituationofforeigncommercialbanksmallbusinesscreditriskcontrol，thepartsummarizesthemanag
6、ementproblemsofChina’Scommercialbanks：lackofprofessionalcredittechnology，imperfectcreditguaranteesystem，thepracticeresultofsmallbusinesscreditfranchiseeisnotsignificantandSOon．Inordertorevealthefinancialfactorsandnon—financialfactorsofsmallandmicroenterprisecreditdefaultrisk，emp
7、iricalpartconstructstheindexsystemoftherealdataandusesProbitmodeltoanalysisempiricallycreditdefaultsituationofsmallandmicrobusinessesinacommercialbankbranchinHunanprovince，concludingthatqualitativevariablessuchasrelevantenterprisesandentrepreneursinformationwhichhasstrongerexpla
8、natorypowerforsmallandmicrobusinessesdefaulttha
