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由于普遍缺乏系统性、标准化的中小企业授信模式支持,目前我国商业银行的中小企业授信业务及相关业务的推进速度、风险控制成效均受到一定的束缚或制约。本文就此提出了以各种授信集群为平台,借助集群核心介质的风险分担能力,在核心介质与集群内中小企业之间科学地规划与分布风险控制点,进而实现安全、快速、批量处理个案业务的系统性、标准化的中小企业授信模式,并相应给出了“或有授信额度”这一概念及其测算的具体方法和原理。
Due to the general lack of systematic and standardized mode of credit support for SMEs, the current speed and risk control effectiveness of SME credit and related businesses in China’s commercial banks are subject to certain constraints or constraints. In this paper, this paper puts forward that using various credit clusters as a platform, we can scientifically plan and distribute the risk control points between the core medium and the small and medium-sized enterprises in the cluster by means of the risk sharing ability of the cluster core medium so as to realize the safe, fast and batch-processing business The systematic and standardized mode of SME credit, and gives the concept of “or credit line ” and the specific methods and principles of its calculation.