【精品】信贷评分方法在建立可持续的中小企业信贷业务中的作用教学讲义.pptVIP

对金融机构在小企业业务中使用信贷评分的调查和评估 Survey: Assessment of Financial Institution Use of Credit Scoring for Small Business Lending 随着第三方信贷评分的出现，银行小企业业务的运营方式发生了巨大的变化 Banks operation for lending to small businesses have changed dramatically with the advent of 3rd party credit scores 信贷评分采用对风险进行量化评估的方式，增加了小企业可以获得的资金量 Credit scores introduce a quantitative measure of risk that may increase the availability of funds to small businesses 调查发现，各银行在小企业贷款中运用信贷评分工具时，存在不同的方式：The survey confirms that banks implement the use of credit scoring for small business loans in a number of different ways: 针对业主 的信贷评分 Credit Score of Owner 针对企业 的信贷评分 Business Credit Score 信贷评分 业主和企业 Credit Score Owner Biz A = + B C 来源 Source: Charles D. Cowan and Adrian M. Cowan for SBA (2006) 针对业主的信贷评分 Owner Credit Score 针对业主和企业的信贷评分 Owner Business Credit Score 针对企业的信贷评分 Business Credit Score 调查：银行是如何在小企业放贷业务中使用信贷评分的 Survey: How are Banks Using Credit Scoring for Small Business Lending? Source: Charles D. Cowan and Adrian M. Cowan for SBA (2006) 调查发现 Survey findings 调查发现银行将信贷评分用于风险定价，并用于针对资质较低的小企业放贷流程中 Evidence that banks are using credit scoring for risk-based pricing and in the process of making loans to lower quality small businesses. 信贷评分使银行可以向信用度较低的贷款收取风险溢价 Credit scores allow banks to charge risk adjusted premiums on these less credit worthy loans 除了小企业贷款发放之外，信贷评分的主要应用是贷后监控 Primary use of credit scores outside small business loan origination is loan monitoring 小企业放贷业务正处于转型阶段，而信贷评分是其中的一个推动因素 Small Business Lending is in a state of transition CREDIT SCORING plays a part 信贷评分是改变小企业放贷业务前景的几个银行业创新之一 CREDIT SCORING is one of the several banking innovations changing the landscape for small business lending Source: Charles D. Cowan and Adrian M. Cowan for SBA (2006) 导言 Introduction 中小企业的定义 The Small and Medium Enterprise (SME) defined 数据对中小企业信贷决策的作用 The Relevance of Data for SME decision-making 贯穿中小企业客户生命周期的信贷评分工具 Credit Scoring across the SME account life cycle 结论 Conclusion 议程 AGENDA