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ye zhu xin yong ping fen fa : xiao wei qi ye dai kuan ji shu de chuang xin
Pages: 94-98
Year: Issue:  6
Journal: Financial Perspective Journal

Keyword:  小微企业贷款定价业主信用评分法征信机构模型;
Abstract: 小微企业的信贷价值和业主的信贷价值是密切相关的,通过小微企业主个人的信用历史预期小微企业未来的还款表现,这就是业主信用评分法的基本思想。本文总结了业主信用评分法在美国的发展与应用,通过分析我国小微企业贷款信用评分的现状与问题,提出要借鉴业主信用评分法,促进我国小微企业贷款的创新。
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