中小企业柔性风险评估模型研究——基于某担保机构的实践经验  

Study on SMEs Flexible Risk Assessment Model

作　　者：胡金东[1] 黄文锋[2] 

机构地区：[1]长安大学公共管理系,陕西西安710064 [2]暨南大学管理学院,广东广州510632

出　　处：《科技进步与对策》2010年第7期119-121,共3页Science & Technology Progress and Policy

基　　金：广东省软科学课题项目(2008B080703048);教育部人文社科规划项目(07JA630055);暨南大学人文社科规划项目(51108602)

摘　　要：中小企业融资难一直是制约其发展的瓶颈。金融机构在企业风险评估过程中,存在对中小企业规模歧视的考核指标,使得中小企业资信普遍较低。柔性风险评估系统着重事前风险防范、事中风险化解和事后风险的共同面对,是一种互动的、人性化的、多次反馈的评估系统。柔性风险评估系统在银行、担保机构中的广泛应用,将会极大地改善中小企业的金融环境,促进中小企业的发展。The financing difficulties of SMEs has been a bottleneck restricting their development, there is discrimination against the scale of SMEs for financial institutions in the enterprise risk assessment process, inducing to low credit of SMEs . Flexible risk assessment system, focused on risk prevention in advance ,risk management in process, and the common face to subsequent risk ,is a kind of interactive, user-friendly, multiple feedback system of assessment. Flexible risk assessment system widely implemented in the banks, guarantee agencies , will greatly improve the financial environment and promote the development of SMEs.

关 键 词：中小企业 柔性风险 风险评估 担保机构 

分 类 号：F276.3[经济管理—企业管理]