摘要
信贷管理事关银行的生存和社会的稳定,各国的商业银行对信贷管理都极为关注。综合运用了主成分分析方法创建了信贷决策的模型,并从企业的盈利情况、偿债能力、资产管理能力、负债管理能力和对国家和社会的贡献等几个方面设计了相应的评价指标体系,并将此模型在实例中进行了应用,解决了贷款对象选择这一信贷决策中的重要问题。
Credit management concerns the survival of the bank and the stability of the society, so that commercial banks of all nations pay great attention to it. The model of credit decision is established by applying comprehensively the method of principle component analysis, and designed the corresponding evaluating index system from sueh aspects as the payoff of corporations, ability to repay debts, ability to manage assets, ability to manage debts and contribution to the nation and the society. It also applied this model into practical examples and solved the choice of the credit object, the important problem in credit decision.
出处
《黑龙江大学自然科学学报》
CAS
北大核心
2008年第4期459-462,468,共5页
Journal of Natural Science of Heilongjiang University
关键词
主成分分析
信贷风险
经济效益评价
决策模型
principle component analysis
credit risk
economic profit evaluation
model of decision
