LR模型在银行信贷评估中的应用  

The Application of LR Model in Bank Credit Appraisal

作　　者：陈文汉[1] 

机构地区：[1]广东海洋大学经济管理学院,广东湛江524088

出　　处：《安徽师范大学学报（自然科学版）》2007年第2期195-198,共4页Journal of Anhui Normal University(Natural Science)

摘　　要：贷款品质的好坏直接影响商业银行的经营利润.本文运用LR模型对贷款人的基本情况进行实证研究,利用最终的模式得出的结论,可作为贷款品质好坏的一个审核标准,使信用政策更具弹性,并作为商业银行对顾客差别取价的依据.Loan quality directly influences the profit of commercial bank＇s management. This article utilizes the LR model to study lender＇s basic situation, obtains the conclusion by using the final pattern, which can be used as a standard for verifying the loan quality. It makes the credit policy more flexible and can be taken as evidence for commercial banks to the price difference to customers.

关 键 词：贷款品质 差别分析法 参数估计 

分 类 号：F830.5[经济管理—金融学]