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本文基于对信贷经理人进行调研,从信贷经理人信用评估中实际考虑因素角度分析借款人信用评估的影响因素。宏观经济环境、宏观经济政策、国家产业政策和行业发展状况都是信贷经理人在信用评估时重点考虑的因素,行业地位、市场竞争能力、资本规模、领导者管理能力和管理层个体人格等借款人特征对信用评估结果将产生显著影响。信贷经理人在信用评估时所考虑的因素并不具有同等重要性,宏观经济环境、宏观经济政策、产业政策、行业周期和企业现状对借款人信用的影响存在从低到高的次序。借款人外部环境的变化将导致信贷经理人的信贷决策偏好产生改变。
Based on the investigation of credit managers, this paper analyzes the influencing factors of borrowers’ credit evaluation from the perspective of practical considerations in the credit evaluation of credit managers. The macroeconomic environment, macroeconomic policies, state industrial policies and industry development are all factors that credit managers focus on in credit rating, industry status, market competitiveness, capital size, leadership management capacity and individual management personality Personal characteristics will have a significant impact on the credit rating. Credit managers consider credit factors in the evaluation is not of equal importance, the macroeconomic environment, macroeconomic policies, industrial policies, industry cycles and corporate status of the borrower’s credit order from low to high. Changes in the borrower’s external environment will lead to changes in the credit manager’s credit decision preferences.