中国(浙江)自贸区银行业信用评分技术研究及应用探讨——基于中小企业信贷可获得性实证分析  

Research and Application of Credit Scoring Technology of Banking Industry in China(Zhejiang)Free Trade Zone—— Based on the Empirical Analysis on Credit Availability of Small and Medium-sized Enterprises

作　　者：中国人民银行舟山市中心支行课题组 刘海应[1] 顾宏斌 王若萱[1] 钟添祯 刘思敏 Research Team of Zhoushan City Central Sub-branch of the people’s Bank of China(Zhoushan City Central Sub-branch of the People’s Bank of China,Zhoushan 316000,Zhejiang,China)

机构地区：[1]中国人民银行舟山市中心支行,浙江舟山316000

出　　处：《征信》2019年第2期50-56,共7页Credit Reference

摘　　要：结合区域特色行业,采集自贸区金融机构相关调研数据,对目前信用评分技术在中小企业信贷融资中的应用效果和程度进行实证研究。研究结果表明:信用评分技术对中小企业融资总体呈正面影响;中小企业不同行业信贷可获得性存在一定差异;与大中型银行相比,小型银行更倾向于为中小企业融资;信用评分技术与其他贷款技术之间存在相互影响的关系。By using questionnaire survey method and data analysis method, considering regional characteristic industries, collecting relevant survey data of financial institutions in free trade zones, and based on the availability of credit for small and medium-sized enterprises(S EM) and the multiple linear regression model, this paper conducts an empirical study on the application effect and degree of credit scoring technology in the credit financing of small and medium-sized enterprises(S EM). The results show that credit scoring technology has a positive impact on the financing of SEM. There are some differences in the credit availability of SEM in different industries. Compared with large and medium-sized banks, small banks are more conducive to SEM financing;And there is an interaction between credit scoring technology and other lending technologies.

关 键 词：信用评分 信贷可获得性 中小企业融资 贷款技术 

分 类 号：F832.4[经济管理—金融学]