两种小企业信贷技巧介绍（国外英文资料）.docVIP

两种小企业信贷技术介绍（国外英文资料） Two types of small business credit technologies are introduced An overview, Small business loans have become a problem for Chinas economic development, and the country, enterprises and society are concerned about microcredit. The characteristics of small business loans is the large number of small amount, if according to the traditional credit risk management model, will cost too much, cause the Banks are reluctant to carry out a small business loan. In recent years, small-loan technology has developed rapidly, providing a technical foundation for the microcredit of financial institutions. In a multitude of small loans, this article focuses on the two technologies, a small loan is a German IPC company technology (hereinafter referred to as the German IPC technology), there are many similar to that of German IPC technology, such as the technical organization of small loans, small loans of the peoples bank of Indonesia technology, etc., are all focus on human communication technology, by the loan officer decision-making; The other is the scoring card technology, which focuses on the computer making decisions. Introduction of the German IPC loan technology 1. Profile, IPC company was founded in November 1980, Germany in the late 1980 s, the IPC work shift to the development of the financial sector, start small business consulting services, the IPC for Latin America, Africa and eastern Europe under the transformation of the economic system of many projects formulated the new method and will be successful; In the late 1990 s, started to technology in developing microfinance business, accounting for 15-20% of the company, usually through nearly 10 years of development, led by IPC ProCredit holding company, currently operating in eastern Europe, central Asia, Latin America and Africa, 22 Banks ProCredit total equity capital of 279 million euros. In 2007, after the ProCredit business was on track, the IPC consulting team separated again and focused on c