本文選題：中小企業(yè) + 定量分析　； 參考：《天津財(cái)經(jīng)大學(xué)》2013年碩士論文

【摘要】：我國中小企業(yè)不僅具有很強(qiáng)的生命力,而且還是推動(dòng)就業(yè)的主渠道,它們在整個(gè)國民經(jīng)濟(jì)中發(fā)揮著不可替代的作用。截止目前為止,中小企業(yè)數(shù)量已經(jīng)超過全國全部企業(yè)數(shù)量的90%以上,創(chuàng)造的GDP也是在60%以上,并且在解決社會就業(yè)人口方面發(fā)揮著至關(guān)重要的作用。隨著我國市場經(jīng)濟(jì)的不斷推進(jìn),中小企業(yè)群體將會逐漸壯大和發(fā)展,不僅能夠推動(dòng)市場經(jīng)濟(jì)一直向前前進(jìn),同時(shí)反過來市場經(jīng)濟(jì)的不斷完善,勢必也會促進(jìn)中小企業(yè)向著更高、更遠(yuǎn)和更快的方向發(fā)展。 中小企業(yè)已經(jīng)成為我國市場經(jīng)濟(jì)中不可分割的一個(gè)組成部分,它對于我國經(jīng)濟(jì)的良性、快速和持續(xù)的發(fā)展越來越重要,社會市場經(jīng)濟(jì)的各個(gè)方面包括科技、教育和文體等都需要中小企業(yè)的深入?yún)⑴c,同時(shí)我國的市場化進(jìn)程也需要中小企業(yè)的加入。但是,融資難是目前中小企業(yè)發(fā)展面臨的主要瓶頸,解決中小企業(yè)融資難的重要途徑是要不斷完善中小企業(yè)信用評級體系,進(jìn)而不斷提高中小企業(yè)的信用等級。只有通過建立真實(shí)客觀反映中小企業(yè)自身發(fā)展情況的信用評級指標(biāo)體系,不僅要考慮中小企業(yè)的財(cái)務(wù)狀況,也要充分結(jié)合考慮中小企業(yè)其他的非財(cái)務(wù)狀況,只有做到定量分析和定性判斷的有機(jī)結(jié)合,才能客觀的反映出中小企業(yè)的信用狀況,進(jìn)而幫助中小企業(yè)解決融資難的問題。 本文研究了中小企業(yè)在生產(chǎn)經(jīng)營過程當(dāng)中所面臨的融資難的處境,為了解決這一難題,通過建立和完善中小企業(yè)信用評級指標(biāo)體系,該體系不僅吸取了國內(nèi)外優(yōu)秀的研究成果,而且充分考慮了我國中小企業(yè)自身獨(dú)特的特點(diǎn),以中小企業(yè)所面臨的難題為出發(fā)點(diǎn),建立了一套專門適用于中小企業(yè)的信用評級指標(biāo)體系,并且也提出了相關(guān)的政策建議,以呼吁相關(guān)部門出臺措施,共同幫助中小企業(yè)解決融資難的問題。
[Abstract]:China's small and medium-sized enterprises not only have strong vitality, but also the main channel to promote employment, they play an irreplaceable role in the whole national economy. Up to now, the number of small and medium-sized enterprises has exceeded 90% of the total number of enterprises in China, and the GDP created is more than 60%, which plays a vital role in solving the problem of social employment. With the development of the market economy in our country, the small and medium-sized enterprises will grow and develop gradually, which can not only push the market economy forward, but also promote the development of the market economy, which is bound to promote the small and medium-sized enterprises to a higher level. Farther and faster. Small and medium-sized enterprises have become an inseparable part of our market economy, which is increasingly important for the benign, rapid and sustainable development of our economy. All aspects of the social market economy include science and technology. Both education and culture need the participation of SMEs, and the process of marketization in our country also needs the participation of SMEs. However, the difficulty of financing is the main bottleneck of the development of SMEs. The important way to solve the financing difficulties of SMEs is to constantly improve the credit rating system of SMEs, and then continuously improve the credit rating of SMEs. Only by establishing a credit rating index system that reflects the development of SMEs, not only the financial situation of SMEs, but also other non-financial conditions of SMEs should be fully considered. Only the organic combination of quantitative analysis and qualitative judgment can objectively reflect the credit status of small and medium-sized enterprises and then help them solve the problem of financing difficulties. This paper studies the financing difficulties faced by small and medium-sized enterprises in the process of production and operation. In order to solve this problem, by establishing and perfecting the credit rating index system of small and medium-sized enterprises, the system not only draws on the outstanding research results at home and abroad. Moreover, considering the unique characteristics of SMEs in our country, taking the difficulties faced by SMEs as the starting point, a set of credit rating index system for SMEs is established, and the relevant policy recommendations are also put forward. To appeal to the relevant departments to introduce measures to help small and medium-sized enterprises to solve the problem of financing difficulties.
【學(xué)位授予單位】：天津財(cái)經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.4;F276.3

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