中小企业信用贷款困难问题分析  

Analysis on the Credit Loan Difficulty Problems of Small and Medium-Sized Enterprises

作　　者：张洪铭[1] 徐扬[1] 

机构地区：[1]华南理工大学,广州510006

出　　处：《中小企业管理与科技》2017年第16期75-78,共4页Management & Technology of SME

摘　　要：中小企业承载着绝大多数的就业人口并贡献了大部分的税收,中小企业的平稳快速发展意味着国民经济的持续成长。中小企业贷款难问题由来已久,论文对中小企业贷款难的原因进行分析,并构建一个适合于当前经济形势的中小企业贷款担保模型,利用AHP层次分析法对中小企业评级指标所占权重进行估计,利用logistic方法对中小企业违约风险进行初步估计,以此构成一个完整的中小企业贷款担保体系。The small and medium-sized enterprises offer the majority ofp eoplej ob and make great contribution to tax. The stable growing of the small and medium-sized enterprises means a continuous increasing of national economy. The issue about difficult loans from bank is a long-term problem to those enterprises. This paper analyzes the reasons for the difficulty of small and medium-sized enterprises loans, and construct a small and medium-sized enterprises loan guarantee model which is suitable for the current economic situation, AHP hierarchy analysis method is used to estimate the weight of the small and medium-sized enterprises rating index, and logistic method is used to estimate the default risk of SMEs, to form a complete small and medium- sized enterprises loan guarantee system

关 键 词：中小企业 信用贷款 违约风险 

分 类 号：F830.5[经济管理—金融学]