一份专门讲小企业评级的文献。这方面的材料比较少，所以虽然还没来得及看，先第一时间分享给大家。这个话题最近比较火，因为国家鼓励向中小企业提供更好的金融服务，中小企业与一般企业和零售客户介乎一般企业和零售客户之间，以前金融机构都有所忽略，所以有市场的。




TABLE OF CONTENTS
1. INTRODUCTION AND PURPOSE 1
1.1 BACKGROUND AND SCOPE 1
2. OVERVIEW OF BANKS/MFIS INCLUDED IN STUDY 3
3. GUIDELINES ON HOW TO APPLY CREDIT SCORING IN A MICROFINANCE CONTEXT 5
3.1 STEP 1: DEFINE THE SCORING SEGMENT 6
3.2 STEP 2: SELECT THE TYPE OF SCORECARD 8
3.3 STEP 3: DESIGN THE CREDIT SCORECARD 10
3.3.1 DEFINITION.....................................................................................................10
3.3.2 DISCOVERY.....................................................................................................11
3.3.3 DEVELOPMENT..............................................................................................12
3.4 STEP 4 – TEST, IMPLEMENT, AND MANAGE THE SCORECARD 14
3.4.1 BACK TESTING...............................................................................................14
3.4.2 PILOT TESTING..............................................................................................16
3.4.3 TRAINING........................................................................................................17
3.4.4 INTEGRATION WITH IT SYSTEMS.............................................................17
3.4.5 LONG-TERM MODEL MANAGEMENT.......................................................18
4. CONCLUSION 21
APPENDIX A: BANCOSOL, BOLIVIA 23
APPENDIX B: CAC LEASING SLOVAKIA 33
APPENDIX C: CREDIT INDEMNITY 37
APPENDIX D: MIBANCO PERU 45
APPENDIX E: TEBA BANK CREDIT SCORING CASE STUDY 55
APPENDIX F: UNITED BULGARIAN BANK, SOFIA, BULGARIA AND LATVIJAS UNIBANKA 59
USEFUL LINKS 65
REFERENCES 67