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解决小微企业贷款难问题的根本是要开发出一套适合小微企业贷款的信贷方法,而贷款定价是这一套信贷方法的核心组成部分。本文以真实历史数据为样本,创新性引入“企业主征信评分”这一重要风险因素对小微企业贷款定价方法进行升级改进。该定价方法既提升了对小微企业信用风险的识别能力,又有效降低了信息不对称所带来的定价差错。小微企业贷款难是一个全球性的问题。解决小微企业贷款难问题的根本是要开发出一套适合小微企业贷款的信贷方法,而贷款定价是这一套
The fundamental solution to the problem of small and micro loans to small and micro enterprises is to develop a set of credit methods suitable for loans to small and micro enterprises. Loan pricing is a core component of this set of credit methods. In this paper, the real historical data as a sample, the innovative introduction of “corporate credit rating ” This is an important risk factor for small and micro enterprises loan pricing methods to upgrade and improve. The pricing method not only enhances the ability to recognize the credit risk of small and micro enterprises, but also effectively reduces the price error caused by information asymmetry. Small and micro business loans is a global problem. The fundamental solution to the problem of small and micro enterprise loans is to develop a set of credit methods suitable for small and micro enterprise loans,