Credit evaluation study for loan request of small and medium enterprises based on factor analysis

被引：0

作者：

Shao Jun Gang ^{[1
]}

Zhong Yao ^{[1
]}

机构：

[1] Shanghai Maritime Univ, Sci Acad, Shanghai 200135, Peoples R China

来源：

PROCEEDINGS OF THE 2007 INTERNATIONAL CONFERENCE ON MANAGEMENT SCIENCE AND ENGINEERING, FINANCE ANALYSIS SECTION | 2007年

关键词：

small and medium enterprises; credit rating; factor analysis; commercial bank;

D O I：

暂无

中图分类号：

K9 [地理];

学科分类号：

0705 ;

摘要：

Small and medium enterprises (SME) cannot develop without fund support from commercial banks. Facing enormous demand of credit of SME, commercial banks need to carry out preliminary riddling according to certain standards, in order to weed out unqualified SME. As regards to those preserved SME, banks could proceed with credit evaluation. Through building credit evaluation indexes of SME and evaluation model based on factor analysis, banks can divide SME into two categories: the one that can be given credit immediately and the other which cannot be given credit for the moment.

引用

页码：300 / 306

页数：7