柔性财务管理下短期信用贷款额度测算的研究  

作　　者：缪喜玲[1] 

机构地区：[1]河南财政税务高等专科学校,河南郑州451464

出　　处：《金融理论与实践》2014年第8期115-118,共4页Financial Theory and Practice

摘　　要：信用贷款作为吸引优质和有潜力客户的有效手段,其保证银行竞争优势的作用会越来越明显。通过研究在柔性财务管理下,短期信用贷款的额度确定时需要注意的问题,希望能为银行在风险可控的前提下,开展短期信用贷款提供可行的意见和建议。通过对银行短期信用贷款特征的剖析,总结分析了短期信用贷款额度测算中存在的问题,并结合贷款工作实际情况,依据柔性财务管理的理论,在充分发挥人的主观能动性的基础上,以信用风险可控为目标,以财务分析为贷款额度计算基础,以特征分析为贷款额度调整基础,进行短期贷款额度测算方法设计。Character Loan Limit is a measure to attract good-quality potential customers, and its func-tion to guarantee a bank’s competitive advantage is to be more and more obvious. This paper is to study the problems in measuring short-term character loan limit under flexible financial management and to provide feasible advices and suggestions for a bank to provide short-term character loan under control-lable risks. This paper analyses the features of short-term character loan, summaries the problems in measuring short-term character loan limit, and designs the short-term character loan limit measuring methods according to the loaning practices and flexible financial management theory, based on full ex-ploitation of people’s self-motivation, aiming at controllable character risks, with financial analysis as loan limit measuring basis and with feature analysis as loan limit adjustment basis.

关 键 词：短期贷款 信用贷款额度 额度测算 柔性财务管理 测算模型 

分 类 号：F830.58[经济管理—金融学]