摘要
小微企业信用风险难以有效度量是银行排斥小微企业的根源,寻找适合小微企业特点的信用风险度量方法是关键。使用混合分析法能够达到认识"较多人的多面性"的目的,克服了定性分析法了解"较少人的多面性"和定量分析法研究"较多人的单面性"的局限。混合分析法能使银行对小微企业风险认识更科学、合理,实证研究也验证了其有效性。原因是加入软信息后,银行的信息劣势大幅降低、淡化了硬信息在风险度量中的绝对地位,拉长了信息的有效时间跨度。混合分析法能够提高银行风险管理能力,对于缓解小微企业融资难具有重要意义。
It is difficult to effectively evaluate the credit risk of micro and small enterprises（ MSEs）,which is the root of banks rejecting MSEs in credit rationing. The key to solve the financing difficulties of MSEs is to find a kind of credit risk evaluation method suitable for the characteristics of MSEs. It is able to achieve the aim of knowing＂the multi-aspects of a larger quantity of people＂by using the mixed analysis method,overcoming the limitation of qualitative analysis,understanding ＂the multi-aspect of a smaller quantity of people ＂,and that of quantitative analysis,studying ＂the single aspect of a larger quantity of people＂. The mixed analysis method can enable banks to have a more scientific and reasonable recognition regarding the credit risk of MSEs,and empirical studies have verified its effectiveness. The reason why this mixed method is effective is that the adding of soft information substantially reduce the information disadvantage of banks,lowers the absolute status of hard information in risk evaluation,and stretches the effective time spanning of information. The mixed analysis method can strengthen banks＇ ability of risk management,which is of great significance for relieving the financing difficulties facing MSEs.
作者
苏静
SU Jing(Department of Regional Economy,Party School of Sichuan Provincial Committee of C.P.C,Chengdu 610096,Sichuan,China)
出处
《征信》
北大核心
2018年第7期13-20,共8页
Credit Reference
关键词
软信息
硬信息
信用风险度量
混合分析法
soft information
hard information
credit risk evaluation
mixed analysis method
