商业银行中小企业信用评级业务风险分析

Dan Zhang, Haiqing Hu, Hang Zhang
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引用次数: 2

摘要

目前国内商业银行的主要利润来源是存贷款息差,因此银行要想提高总利润就必须扩大息差,而要实现这一目标就需要大力发展信贷业务。然而,企业发展伴随着信用风险的增大,信用风险越大,违约概率越大,信用越大,风险损失越大。2008年金融危机后,商业银行积极关注并加强中小企业信贷业务,作为企业,风险也随之加大。因此,加强对中小企业信贷业务的风险分析,寻找有效建立信用风险防范体系的途径,已成为商业银行急需研究和解决的问题。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Risk Analysis of Credit Rating Business for Commercial Banks on Small and Medium-sized Enterprise
At present the main source of profits for domestic commercial Banks, is the interest margin of deposits and loans, so if banks want to increase the total profit, it should extend interest margin, and to achieve that it need promote the credit business. However, business development come along with growing credit risk, the more credit risk, the more probability of default, the bigger of credit, the greater of the risk loss. After the financial crisis in 2008, commercial Banks are positively pay attention to and enhance the credit business for SMEs, as company, the risk also will increase. Therefore, strengthen the risk analysis for SMEs' credit business, find the way to establish effectively risk against system of credit, has become an urgent problem that commercial bank needs to study and solve.
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