小型企业信贷评分模式.pptVIP

Current limitations to lending to SMEs一般中小型企业借贷限制 Current Common Solutions by Banks to SME Lending 一般银行对于中小企业贷款的共同方案 Our beliefs of lending to SMEs 我们对中小企业借贷的信念 Pricing risk reward ratios 定价风险回报比率 SME Loan Lending Model 贷款模式 Ensure credit evaluation consistency by using the quantitative approach 通过智能信贷评分系统保证信用评估的一致性 Focus on key operating matrix – cash flows, sales and account receivable 专注于基本营运模式 – 流动资金，销售额及应收账 Manage SME borrowers of higher risks instead of all borrowers 重点管理高风险的中小企业贷款 Know which SME borrowers are having problems 个别处理有问题的中小企业借贷 Leverage Internet to obtain information from SME borrowers 透过网上收取中小企业的客户借贷资料 Reduce loan servicing costs 减低贷款服务成本 Empower SMEs to borrow more when they want to 鼓励中小企业在需要时可增加贷款额 Strengthen customer retention 减低客户流失 Focus on segment between 400,000 yuan to 6,000,0000 yuan loans 集中贷款额在人民币四十万至六百万之间 - Broaden the market you can service 扩阔现有服务市场 SME Loan Lending Product Feature 贷款种类特性 SME Loan Risk Model – Two step approach 风险管理模式 – 两步曲 Pre-approval 审批前期 A web based scoring model obtains a snapshot of overall financial conditions of companies at the time of loan approvals. Those companies with ideal profiles will be approved. 公司可在网上提出贷款申请，网上的智能信贷评分系统，将把握公司的整体财政状况，合资格的公司，将实时获得初步审批。 Post approval 审批后期 A personal web page allows customers to provide business data to small business loan continuously and such data is analyzed vigorously by the proprietary risk diagnostic system. The objective is to ensure borrowers approved do not deteriorate . Only those borrowers that are identified with exceptions will be managed and addressed. 客户拥有专有网页，并在网页上不断提供业务资料，风险管理系统实时分析资料，目的是确保审批后，客户的财政状况仍然保持健康，祇有特别情况的客户会个别处理。 How It Works - A Continuous Process如何运作 – 持续的贷款来往程序 Web Scoring Engine网上评分系统 Web Scoring Engine 智能信贷网上评分系统 Flexible and can be modified according to credit underwriting criteria changes 贷款尺度可随信贷准则灵活更改 Centralized loan application processing being used by internal staff and SME