题目

英语翻译
随着我国中小型高新技术企业快速发展,为其提供贷款的科技银行也迅速崛起,本文通过科技银行科技贷款风险管理的分析,引入布莱克——舒尔茨期权定价模型,并以中国建设银行高科技支行作为实证样本,得出只有当贷款项目的收益率大于基准收益率,科技银行才可能获利的研究结论,进一步分析了科技银行贷款决策的方法.

提问时间：2020-07-09

答案

With the rapid development of small and medium-sized high-tech enterprises in China, the bank of science and technology that provided loans to these companies also emerge rapidly. This article introduces option pricing models of Black - Schultz through the analysis of loan risk management of the bank of science and technology, and makes the conclusion that the bank of science and technology can only earn profit when the profit of loan project yield than the benchmark yield, using the high-tech branch of China construction bank as the empirical sample. This paper further analyzes the method to loan as the bank of science and technology.