一、银行传统贷款项目 评估中的不足 目前,银行在对项目进行贷款评估时,采用的是以现金流贴现为基础的决策方法,主要包括投资回收期法、净现值法和内部收益率法等,我们称之为传统的项目评估。 传统的项目评估方法主要建立在以下的一些基本假设之上:一是不同的企业拥有相同的管理能力和技术水平,都能够顺利地运作项目,项目的好坏是由项目本身决定,与 First, the lack of assessment of the traditional bank loans At present, the bank loan evaluation of the project, using a cash flow discount-based decision-making methods, including the payback period method, the net present value method and the internal rate of return method We call this traditional project evaluation. The traditional project evaluation method is mainly based on the following basic assumptions: First, different enterprises have the same management skills and technical level, are able to successfully operate the project, the quality of the project is determined by the project itself, and