小企業(yè)貸款信用評分(已修改)
2025-06-11 16:47 本頁面
【正文】 Small Business Scoring 小企業(yè)評分 September, 20xx 20xx年 9月 Cheryl St John 2 Copyright 169。 20xx Fair Isaac Corporation. All rights reserved. Copyright 169。 20xx Fair Isaac Corporation. All rights res rved. Agenda議程 ? Project scope ? 項(xiàng)目范圍 ? Small business pooled models ? 小企業(yè)集合模型 ? Preliminary results in Latin America ? 在拉丁美洲的初步成效 ? Next Steps ? 后續(xù)步驟 3 Copyright 169。 20xx Fair Isaac Corporation. All rights reserved. Copyright 169。 20xx Fair Isaac Corporation. All rights res rved. Agenda議程 ? Project scope ? 項(xiàng)目范圍 ? Small business pooled models ? 小企業(yè)集合模型 ? Preliminary results in Latin America ? 在拉丁美洲的初步成效 ? Next Steps ? 后續(xù)步驟 4 Copyright 169。 20xx Fair Isaac Corporation. All rights reserved. Small business in Latin America 拉丁美洲的小企業(yè) ? Economic growth and social development by being the leading source of employment ? 作為最重要的就業(yè)渠道促進(jìn)經(jīng)濟(jì)增長和社會發(fā)展 ? In Colombia the small business sector employs 63% of work force ? 在哥倫比亞小企業(yè)雇傭了 63％的勞動力 ? In Mexico 78% of work force ? 在墨西哥小企業(yè)雇傭了 78％的勞動力 ? Majority of production is for internal consumption ? 大部分產(chǎn)品供國內(nèi)消費(fèi) ? Colombia 25% internal production ? 哥倫比亞 25％國內(nèi)產(chǎn)品 ? Mexico 68% internal production ? 墨西哥 68％國內(nèi)產(chǎn)品 ? Credit availability plays a fundamental role for survival of the small business ? 信用的可得性對小企業(yè)的生存起著基礎(chǔ)性的作用 ? Small businesses have limited access to funding and consequently to the newest technology ? 小企業(yè)融資渠道受到限制從而導(dǎo)致最新技術(shù)的使用受到限制 5 Copyright 169。 20xx Fair Isaac Corporation. All rights reserved. Small business in Latin America 拉丁美洲的小企業(yè) ? Investigate deficiencies in small business credit ? 小企業(yè)信用的調(diào)查研究不足 ? No business plan 沒有商業(yè)計(jì)劃 ? Legal constitution 法律章程 ? Access to credit 得到信用的途徑 ? Sources of credit ? 信用的來源 ? Own resources 自己的財(cái)力 ? reinvestment of revenues and capital from partners ?收入再投資及從股東處取得的資本 ? Credit from providers 從供應(yīng)商處得到的信用 ? short term credit, high interest rates and guarantee ?短期信用，高利率和保證 ? Family and friends 親屬和朋友 ? Bank am
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