【摘要】：小微企業(yè)是推動(dòng)我國國民經(jīng)濟(jì)增長的重要力量,其地位和作用近幾年才被重視起來。然而,融資難一直困擾著小微企業(yè)的持續(xù)發(fā)展,造成小微企業(yè)融資困境的原因是多方面的。在小微企業(yè)的眾多融資渠道中,向銀行貸款是最常見和實(shí)際的選擇,供應(yīng)鏈融資成為了緩解小微企業(yè)發(fā)展困境的主要途徑,并且也為商業(yè)銀行找到了新的利潤增長點(diǎn),是一種雙贏的選擇。 本文展開對(duì)基于供應(yīng)鏈融資下的小微企業(yè)信用評(píng)價(jià)進(jìn)行研究,構(gòu)造評(píng)價(jià)指標(biāo)體系,改變了傳統(tǒng)的授信評(píng)級(jí)要求。在選定評(píng)價(jià)指標(biāo)后,采用層次分析法確定指標(biāo)權(quán)重,并采用灰色綜合評(píng)價(jià)法實(shí)例評(píng)價(jià)一小微企業(yè),比較新的評(píng)價(jià)體系與傳統(tǒng)評(píng)價(jià)體系在改善小微企業(yè)信用水平方面的優(yōu)越性,試圖科學(xué)、客觀的反應(yīng)小微企業(yè)的信用水平。 重新構(gòu)建小微企業(yè)信用評(píng)價(jià)體系,對(duì)于解決小微企業(yè)融資難問題是一個(gè)重要的方面。我國的信用評(píng)價(jià)體系還處在全面建設(shè)階段,對(duì)小微企業(yè)的信用評(píng)價(jià)不夠科學(xué),沒有客觀的反映小微企業(yè)的信用水平。本文依托供應(yīng)鏈融資模式,建立一種基于供應(yīng)鏈的小微企業(yè)信用評(píng)價(jià)體系,為解決小微企業(yè)融資難問題建言獻(xiàn)策。
[Abstract]:Small and micro enterprises are an important force to promote the growth of our national economy, and their status and role have been attached importance to in recent years. However, the difficulty of financing has been perplexing the sustainable development of small and micro enterprises, and there are many reasons for the financing difficulties of small and micro enterprises. Among the many financing channels of small and micro enterprises, bank loan is the most common and practical choice. Supply chain financing has become the main way to alleviate the plight of small and micro enterprises, and has also found a new profit growth point for commercial banks. It is a win-win choice. In this paper, the credit evaluation of small and micro enterprises based on supply chain financing is studied, the evaluation index system is constructed, and the traditional credit rating requirements are changed. After the evaluation index is selected, the weight of the index is determined by AHP, and an example of grey comprehensive evaluation method is used to evaluate a small and micro enterprise. The advantages of the new evaluation system and the traditional evaluation system in improving the credit level of small and micro enterprises are compared. Trying to scientifically and objectively reflect the credit level of small and micro enterprises. Reconstructing the credit evaluation system of small and micro enterprises is an important aspect to solve the financing problem of small and micro enterprises. The credit evaluation system of our country is still in the overall construction stage. The credit evaluation of the small and micro enterprises is not scientific enough and does not objectively reflect the credit level of the small and micro enterprises. Based on the supply chain financing model, this paper establishes a credit evaluation system for small and micro enterprises based on supply chain, and provides suggestions for solving the financing difficulties of small and micro enterprises.
【學(xué)位授予單位】：內(nèi)蒙古農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F276.3;F274;F832.4

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