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Home > Wen Yuan (High School Edition) > 2021 No.02 > 基于风险评估模型的银行信贷策略研究

  • 基于风险评估模型的银行信贷策略研究

    Author(s)：

    刘宇阳1 范雨萱2 孙晓菁1

    Publication Title：

    Wen Yuan (High School Edition) 2021 No.02

    Affiliations：

    1.华北理工大学 以升创新教育基地;2.华北理工大学 管理学院

    Abstract：

    随着市场的逐步扩大,出现较多规模较小,缺少抵押资产的中小微企业.银行依据信贷政策、企业的交易票据信息和上下游企业的影响力,趋向于向实力强、供求关系稳定的中小微企业提供贷款,并可以对信誉高、信贷风险小的企业给予利率优惠.为助力银行确定是否且如何向中小微提供企业贷款,本文根据企业实力、信誉对其信贷风险做出评估,通过建立合适的数学模型,确定银行对中小微企业的信贷策略.

    Keywords：

    风险评估模型;信贷策略;信誉等级与实力评估;动态规划;网络

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    [1] 刘宇阳1,范雨萱2,孙晓菁1.基于风险评估模型的银行信贷策略研究[J].Wen Yuan (High School Edition),2021(02),.

文渊(高中版)
Wen Yuan (High School Edition)

Language: 中文

CN：11-9276/G

ISSN：2096-6288

Publication Frequency: 月刊

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