本文關(guān)鍵詞： 信用評(píng)級(jí) 中小企業(yè) 信貸融資 規(guī)模歧視　出處：《河北大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：中小企業(yè)是國(guó)民經(jīng)濟(jì)的重要組成部分，對(duì)于推進(jìn)市場(chǎng)經(jīng)濟(jì)的發(fā)展，增加就業(yè)機(jī)會(huì)和促進(jìn)社會(huì)協(xié)調(diào)發(fā)展起了重要的作用，其生存與發(fā)展受到社會(huì)各界的廣泛關(guān)注。限制中小企業(yè)發(fā)展的主要原因是資金短缺，中小企業(yè)信貸融資難是普遍存在的問題，河北省唐山市亦不例外。信用評(píng)級(jí)是幫助銀行測(cè)定企業(yè)貸款風(fēng)險(xiǎn)的一種有效機(jī)制，是中小企業(yè)獲得信貸融資的關(guān)鍵因素，，但信用評(píng)級(jí)體系的不完善造成了中小企業(yè)融資困境，制約了企業(yè)的發(fā)展。因此，研究銀行內(nèi)部信用評(píng)級(jí)對(duì)中小企業(yè)信貸融資的影響，完善信用評(píng)級(jí)體系，能更好地解決中小企業(yè)融資難的問題。本文首先闡述了信用評(píng)級(jí)與信貸融資的基本理論，分析了銀行內(nèi)部信用評(píng)級(jí)對(duì)中小企業(yè)信貸融資可獲性的影響，并以唐山市為研究對(duì)象，研究了該市中小企業(yè)信貸融資狀況和原因以及銀行內(nèi)部信用評(píng)級(jí)狀況。本文依據(jù)唐山市某大型商業(yè)銀行的統(tǒng)計(jì)數(shù)據(jù)，探討了銀行內(nèi)部信用評(píng)級(jí)對(duì)中小企業(yè)信貸融資可獲性的影響，針對(duì)唐山地區(qū)中小企業(yè)信用評(píng)級(jí)體系中的問題提出了改進(jìn)意見。 本論文經(jīng)研究得出結(jié)論為：信息不對(duì)稱是造成中小企業(yè)信貸融資難的根本原因，信用評(píng)級(jí)緩解了銀企之間信息不對(duì)稱程度，對(duì)中小企業(yè)信貸融資可獲性起著關(guān)鍵作用，本文認(rèn)為建立針對(duì)中小企業(yè)特點(diǎn)的信用評(píng)級(jí)是緩解中小企業(yè)信貸融資難的重要途徑。
[Abstract]:As an important part of the national economy, small and medium-sized enterprises play an important role in promoting the development of the market economy, increasing employment opportunities and promoting the coordinated development of society. The main reason for restricting the development of small and medium-sized enterprises is the shortage of funds, and the difficulty of credit financing for small and medium-sized enterprises is a common problem. Tangshan City, Hebei Province is no exception. Credit rating is an effective mechanism to help banks to measure the risk of enterprise loans and a key factor for SMEs to obtain credit financing. However, the imperfection of credit rating system causes financing difficulties for SMEs. Therefore, to study the impact of internal credit rating on SME credit financing, improve the credit rating system, Firstly, this paper expounds the basic theory of credit rating and credit financing, analyzes the influence of internal credit rating on the availability of SME credit financing, and takes Tangshan City as the research object. This paper studies the credit financing situation and the reasons of the small and medium-sized enterprises in the city as well as the internal credit rating status of the banks. This paper is based on the statistical data of a large commercial bank in Tangshan City. This paper probes into the influence of internal credit rating of banks on the availability of credit financing for small and medium-sized enterprises, and puts forward some suggestions for improving the credit rating system of small and medium-sized enterprises in Tangshan area. The conclusion of this paper is as follows: information asymmetry is the fundamental cause of SMEs' credit financing difficulties, credit rating alleviates the degree of information asymmetry between banks and enterprises, and plays a key role in the availability of SME credit financing. This paper holds that establishing credit rating according to the characteristics of SMEs is an important way to ease the difficulty of SME credit financing.
【學(xué)位授予單位】：河北大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F276.3;F832.4

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本文編號(hào)：1522228