企业转型升级与信贷征信拓展  

Enterprises' Transformation and Upgrading and Credit Extension

作　　者：陈刚[1] 马延彬[1] 王志华[1] 许加宏 

机构地区：[1]中国人民银行菏泽市中心支行,山东菏泽274000

出　　处：《金融发展研究》2016年第1期64-68,共5页Journal Of Financial Development Research

摘　　要：我国经济进入新常态,许多企业也在积极寻求科技转型升级,这对以抵押、担保为核心的传统信贷模式提出了新挑战。本文剖析了工商银行山东省定陶县支行以一企业转型升级后的预期现金流作为抵押发放贷款的案例,发现商业银行存在优化和拓展自身信贷征信视野和支持企业科技转型的基本动力。Under the background of China＇s economic transformation and restructuring, a lot of enterprises in Chi- na are actively looking for technological upgrading, which poses a new challenge for the traditional credit model, the core of which is mortgage and guarantee. This paper analyzes a few successful cases of credit issued timely to help an enterprise to transform and upgrade, based on the mortgage of expected cash flow, which optimizes and extends one＇s credit perspective and successfully provide support for the enterprises to achieve a scientific upgrading.

关 键 词：转型升级 信用征信 预期现金流 抵押 

分 类 号：F832[经济管理—金融学]