商业银行信用评估中的影响因素——基于对信贷经理人的调查  

Factors of Credit Evaluation of Commercial Banks——Based on the Investigation of Credit Managers

作　　者：张宇[1,2] 

机构地区：[1]四川大学经济学院 [2]中国银行四川省分行

出　　处：《金融论坛》2011年第2期51-56,共6页Finance Forum

摘　　要：本文基于对信贷经理人进行调研,从信贷经理人信用评估中实际考虑因素角度分析借款人信用评估的影响因素。宏观经济环境、宏观经济政策、国家产业政策和行业发展状况都是信贷经理人在信用评估时重点考虑的因素,行业地位、市场竞争能力、资本规模、领导者管理能力和管理层个体人格等借款人特征对信用评估结果将产生显著影响。信贷经理人在信用评估时所考虑的因素并不具有同等重要性,宏观经济环境、宏观经济政策、产业政策、行业周期和企业现状对借款人信用的影响存在从低到高的次序。借款人外部环境的变化将导致信贷经理人的信贷决策偏好产生改变。Based on the investigation of credit managers and credit managers＇ considerations in the evaluation of borrower＇s credit, this paper analyses the factors of the evaluation. The author argues that macroeconomic environment and policy, na- tional industrial policies and industry development are credit managers＇ important considerations in credit evaluation.A bor- rower＇s characteristics, such as industry status, market competitiveness, capital size, leaders＇ management and management staff＇s personality, have significant impacts on the results of credit evaluation. Each factor is not of equal importance in credit managers＇ evaluation. The impaets of the factors, macroeconomic ervironment, maeroeeonomie policy, industrial poli- cy, business cycle and the status of enterprise, change from small to big. The change in borrower＇s external environment will cause the change in the preference of credit manager＇ s decision.

关 键 词：商业银行 信用评估 信贷经理人 风险感知 

分 类 号：F832.4[经济管理—金融学]