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xin dai gong chang you xiao xing de an li yan jiu ji yu jiang nan nong cun shang ye yin xing xin dai gong chang de yun xing xian zhuang
Author(s): 
Pages: 58-62
Year: Issue:  10
Journal: Financial Perspective Journal

Keyword:  信贷工厂打分卡风险分类新资本协议;
Abstract: 信贷工厂起源于海外,意指银行像工厂标准化制造产品一样对信贷进行批量处理,国内已经有建设银行、中国银行、民生银行等银行在采用这一模式,江南农村商业银行(以下简称"江南银行")于2012年开发建设该项目,然而信贷工厂的运行效果并不如意,目前已暂停使用。本文在分析江南银行信贷工厂有效性的基础上,分析失败原因并提出改进措施。
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