Research On The Calculation Of Credit Line Of "Credit Loan For Talents"

Throughout the world today,there are many talents in all walks of life,and there are many talents with high education and top technology.They not only have the hardware conditions for innovation and entrepreneurship,but also carry the ambition of innovation and entrepreneurship.Unfortunately,in this era of money,"poverty" has become a stumbling block for them to become famous and help the world at one stroke.In this context,based on the human capital pricing model and the idea of credit rating,this paper provides a calculation method for the credit limit of "talent loans",so as to create a series of financial products(such as personal loans,Entrepreneurship loans,consumer loans,etc.)provide the basis for providing credit support and various financial services for high-level talent innovation and entrepreneurship to establish a theoretical basis.At the same time,in order to create a standardized product system,this paper establishes a complete set of process,paperless and automated decision-making operation management and risk management and control systems for the entire lending process,so as to improve the business acceptance and operation capabilities of talent finance business,and create a talent finance business.The core competitive advantage of the business and improve the operating performance.In addition,this paper also attempts to establish a comprehensive set of insurance mechanisms and supporting policies for the large-scale development of "talent finance".This paper believes that in order to use market-oriented mechanisms to allow financial institutions to carry out talent financial services with confidence without a large scale(for example,to control the risks of financial institutions such as banks to a reasonable limit,and to avoid this social systemic risk),then finally The construction of the insurance mechanism is crucial.In this regard,this paper proposes to set up an insurance company that provides guarantee and other services for talent financial services,or to carry out specialized talent financial insurance services in existing insurance companies,so as to understand the exposure risks of "talent financial" products.If a corresponding insurance company is established,it should be initiated by the government or relevant departments,with the participation of state-owned or private enterprises,to set up an insurance company that provides guarantee and other services for talent financial services,and discuss the establishment mechanism and operation mode of the insurance institution,so as to promote talent finance Sustainability of services.And this paper also proposes to introduce government credit into the financial services of human capital and talents,establish special support funds for talents of governments at all levels,directly transfer part of the funds to the risk reserve account of talent financial services,and promise to use the risk reserve in the use of risk reserves.Take the risk of bad debts in the first order.This arrangement strengthens the guiding and demonstration role of government funds,greatly enhances the credit rating of talents,and lays a solid foundation for the sustainable development and risk control of financial services for talents.