| 信用评分技术在中小型企业融资的应用研究 |
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| 引用本文： | 赵迎东,王悌云.信用评分技术在中小型企业融资的应用研究[J].河南金融管理干部学院学报,2010(6):19-21. |
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| 作者姓名： | 赵迎东 王悌云 |
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| 作者单位： | 上海第二工业大学经济管理学院,上海201209 |
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| 基金项目： | 上海市信用管理重点学科资助项目（NXK1012）; 上海市教委创新资助项目（11ZS189） |
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| 摘 要： | 目前,我国中小企业存在数量多、信用管理不规范、抵押资产少、融资难等特点。应大力推广中小企业信用评分技术,利用该技术的优势,建立有中国特色的中小企业信用评分模型,解决中小企业融资困境,并且在利用信用评分技术中需要注意信用信息数据完整性和真实性、信用评分技术理论的学习和专业人才培养等问题。
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| 关 键 词： | 信用评分 中小企业 融资 |
Application Study on Credit Scoring Technology in SME Financing |
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| ZHAO Ying-dong,WANG Ti-yun.Application Study on Credit Scoring Technology in SME Financing[J].Journal of Henan College of Financial Management Cadres,2010(6):19-21. |
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| Authors: | ZHAO Ying-dong WANG Ti-yun |
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| Institution: | (Shanghai Second Polytechnic University of Economics and Management,Shanghai 201209) |
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| Abstract: | At present,there are such problems in SMEs as,too many SMEs in China;no standardized credit management,less collateral assets,financing predicament,etc.It＇s necessary for China to accelerate using SME credit scoring techniques,to enhance and establish SME credit scoring models with Chinese characteristics so as to solve SME financing predicament.And also proposals are made for using credit scoring technology to note integrity and authenticity of the credit information data,the learning theory of credit scoring technology and professional personnel training and so forth. |
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| Keywords: | credit scoring SMEs financing |
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