| 商业银行中小企业打分卡的设计 |
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| 引用本文： | 彭彤丽.商业银行中小企业打分卡的设计[J].湖南工业职业技术学院学报,2008,8(5). |
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| 作者姓名： | 彭彤丽 |
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| 作者单位： | 湖南大学会计学院,湖南,长沙,410082 |
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| 摘 要： | 积极开发中小企业贷款市场已成为各商业银行的共识。商业银行应运用中小企业打分卡评级系统来量化和评估中小企业客户信用风险,为对中小企业的贷款决策和风险定价提供定量依据。文章在分析商业银行中小企业打分卡设计目的基础上,提出了其设计思路;并以资本密集型行业为例,提出了打分卡三部分指标的具体设计。
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| 关 键 词： | 商业银行 中小企业打分卡 设计 |
Design of Scoring Card System of Commercial Banks in Rating Small and Medium Enterprises |
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| PENG Tong-li.Design of Scoring Card System of Commercial Banks in Rating Small and Medium Enterprises[J].Journal of Hunan Industry Polytechnic,2008,8(5). |
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| Authors: | PENG Tong-li |
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| Affiliation: | PENG Tong-li(Hunan University Changsha 410082,Hunan) |
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| Abstract: | Positive development of the small and medium enterprises(SME) loan market has become the consensus of all commercial banks.Commercial banks should use scoring card rating system to quantify and evaluate the credit risk of the loan to SME.Based on the analysis of the aim of scoring card system in Commercial banks,this paper suggests specific design principles,and proposes a detailed design of the three factors in scoring systems by taking capital-intensive industry as an example. |
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| Keywords: | commercial banks scoring card for SMEs credit rating design |
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