大数定律与小微企业授信模式研究

贷款难一直是小微企业面临的最大问题。商业银行从自身盈利角度出发，面对日渐突出的金融脱媒现象，经营思路亟需转型，开发小微企业贷款业务以开辟新的业务增长点。本文基于大数定律，从商业银行角度出发，分析了小微企业授信模式。授信模式的选择和贷款利率确定是本文研究的两个重要方面，风险管拄贯穿整个授信过程。

The Law of Large Numbers and Research of Credit Models of Micro and Small Enterprises

The biggest problem confronting micro and small enterprises is the difficulty in credit.In the background of financial disintermediation,in order to keep profitability,commercial banks need to transform operation and develop new loan businesses targeting micro and small enterprises.Based on the law of large numbers,from the angle of commercial banks,the paper analyzes credit model of micro and small enterprises.The selection of credit model and the determination of interest rate are two important aspects in...