小型企业信贷评分模式.docxVIP

CreditScoringModelforSmallBusinessLoans

小型企业信贷评分模式

Chengdu-September11,2001

四川–成都

CurrentlimitationstolendingtoSMEs一般中小型企业借贷限制

CollateralCentric以抵押品为主

?Limitedthenumberofpeopleeligibleforfinancing祇有少数的申者符合资格

PeopleRelationshipdriven受人事关系影响评审

?Inconsistentcreditassessment不划一的信用评分

?Highcostofservicingandnotscalable借贷服务成本高，不能普级化

?PreferenceoflargercompaniesoverSMEs比较适合大型企业

Uncertaincreditquality不明确的信贷质素

?Noinformationonfinancialconditionsofborrowers欠缺借贷人财务资料

?PotentiallyLargecreditlosses高信贷风险

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CurrentcommonsolutionsbybankstoSMElending一般银行对于中小企业贷款的共同方案

?Offertermloanswith12to24monthsrepaymentsforloansizegenerallyupto800,000yuan一般八十万人民币贷款，祇做12至24个月的定期贷款

?Usesimplifiedcreditscoringtoprocessloanapplicationsortopredictdefault

probability用简单的贷款评分基制，以评估贷款申请，或预测拖欠坏账的可能性

Butthelimitationsofthesesolutions:以上方案的限制：

?Bankscouldonlyreacttodelinquencywhentheproblemsaretooserioustocure一般银行会将还款困难的贷款作为坏账

?SMEsarenotabletoborrowmorethanthemaximumamountthatbanksgrantuntilloansarereadyforannualreview一般银行不会在贷款期间，再度审批更高的贷款额

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OurbeliefsoflendingtoSMEs我们对中小企业借贷的信念

Businessdonotfailovernight企业不会一瞬间倒闭

?Failurecausedbynocash,nobusinessandpoordebtor’squality一般企业倒闭是因为资金短缺、销售不理想及劣质客户

Onlytwotypesoffinancingneededinbusinessfinancing一般商业借贷祇有两种需求

?WorkingCapitalandTermloans营运资金及定期贷款Businessownersalwaysknow:企业家一般会知

?Howmuchbusinesstheydo生意额多少

?Whoowethemmoney谁欠公司钱

?Howmuchcashtheywillbecollectingfromdebtors公司将会从客户中收到多少现金SecureLoansbybusinessassets以公司资产作为贷款低押

?Don’toverlendtoacompany不会超贷

?BereadytosupportSMEswhentheygrow可以随时准备支持发展中的中小企业Appropriatepricerewardratio合理价格回报比率

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Pricingriskrewardratios定价风险回报比率

InterestRate%

利率%

(Risk)WriteOff%（风险)撇账%

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