【摘要】：本文首先介紹了中小企業(yè)信貸信用信息相關(guān)內(nèi)容的概述，分別從幾個(gè)方面進(jìn)行了介紹：介紹了信用及企業(yè)信用的由來與發(fā)展，，信貸信息資源管理的職能。又對(duì)信貸信用風(fēng)險(xiǎn)的相關(guān)的內(nèi)容作了闡述，從信貸風(fēng)險(xiǎn)的定義、風(fēng)險(xiǎn)的發(fā)生進(jìn)行了介紹。 其次辯證法的角度對(duì)黑龍江省中小企業(yè)融資進(jìn)行了深層次的分析，把中小企業(yè)的融資特點(diǎn)及融資難的原因進(jìn)行了深度分析，并且從自身因素、金融機(jī)構(gòu)因素、政府因素進(jìn)行了全方面的解讀。 隨后又以借貸機(jī)構(gòu)的角度進(jìn)行深度挖掘中小企業(yè)信貸信息資源，并對(duì)金融借貸機(jī)構(gòu)的調(diào)查特點(diǎn)、調(diào)查種類、調(diào)查時(shí)機(jī)等儲(chǔ)多方面進(jìn)行了調(diào)查。調(diào)查之后，對(duì)信貸信用信息資源進(jìn)行評(píng)估，評(píng)估的方法有財(cái)務(wù)比率分析法、財(cái)務(wù)數(shù)字分析法、財(cái)務(wù)趨勢分析法等，并對(duì)信貸信用評(píng)估法提出了幾點(diǎn)要求。最后要對(duì)中小企業(yè)放款后的程序進(jìn)行詳細(xì)的跟蹤。最后創(chuàng)造性的提出了政府、中小企業(yè)、金融機(jī)構(gòu)等三方共同促進(jìn)的信貸信用信息資源管理對(duì)策。
[Abstract]:This paper first introduces the content of credit information of small and medium-sized enterprises, respectively, from several aspects: the origin and development of credit and enterprise credit, the function of credit information resource management. The related contents of credit risk are expounded, and the definition and occurrence of credit risk are introduced. Secondly, from the perspective of dialectics, this paper makes a deep analysis of the financing characteristics of small and medium-sized enterprises in Heilongjiang Province and the reasons for their difficulty in financing, and from the perspective of their own factors, the factors of financial institutions, The government factors are interpreted in all aspects. Then, the author deeply excavates the credit information resources of small and medium-sized enterprises from the perspective of the lending institution, and investigates the characteristics, types and timing of the investigation of the financial lending institutions. After the investigation, the credit information resources are evaluated, the methods of evaluation are financial ratio analysis, financial digital analysis, financial trend analysis, and some requirements are put forward for credit evaluation. Finally, the small and medium-sized enterprises to lend money after the process of detailed tracking. Finally, creatively put forward the government, small and medium-sized enterprises, financial institutions and other tripartite promotion of credit information resources management measures.
【學(xué)位授予單位】：黑龍江大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F275;F832.4;G203

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本文編號(hào)：2198818