本文選題：中小企業(yè)　切入點(diǎn)：信用擔(dān)保機(jī)構(gòu)　出處：《山東農(nóng)業(yè)大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：在當(dāng)前世界經(jīng)濟(jì)中，中小企業(yè)（SmallMediu-size Enterprises,SMEs）的生存和發(fā)展是各國經(jīng)濟(jì)的重要組成部分。但是，中小企業(yè)先天不足，信用級別低，導(dǎo)致融資難成為制約其健康發(fā)展的瓶頸因素，這也是一大世界性的難題。 中小企業(yè)信用擔(dān)保（SmallMedium-size Enteprises Credit Guarantee，SMECG）作為一種制度安排，成為各國解決中小企業(yè)融資難，扶持中小企業(yè)發(fā)展的重要措施之一。 但是，中小企業(yè)信用擔(dān)保是公認(rèn)的高風(fēng)險(xiǎn)行業(yè)，擔(dān)保機(jī)構(gòu)的風(fēng)險(xiǎn)管理水平是其生存和持續(xù)發(fā)展最重要的影響因素之一。2007年以來，在由美國“次貸”危機(jī)引發(fā)的全球性金融危機(jī)影響下，中小型企業(yè)的生存環(huán)境急劇惡化，為中小企業(yè)提供融資擔(dān)保服務(wù)的擔(dān)保機(jī)構(gòu)也難獨(dú)善其身，擔(dān)保公司風(fēng)險(xiǎn)管理的任務(wù)更加艱巨。由于預(yù)警在風(fēng)險(xiǎn)管理中處于先導(dǎo)地位，因此，加強(qiáng)擔(dān)保機(jī)構(gòu)的風(fēng)險(xiǎn)預(yù)警管理，意義更加重大。 本文從對中小企業(yè)信用擔(dān)保和風(fēng)險(xiǎn)預(yù)警管理的相關(guān)理論的梳理入手，在對中小企業(yè)信用擔(dān)保機(jī)構(gòu)風(fēng)險(xiǎn)及風(fēng)險(xiǎn)預(yù)警的一般分析基礎(chǔ)上，重點(diǎn)研究了模糊風(fēng)險(xiǎn)預(yù)警理論及基本框架，設(shè)計(jì)了中小企業(yè)信用擔(dān)保公司的風(fēng)險(xiǎn)預(yù)警管理框架體系，將模糊風(fēng)險(xiǎn)預(yù)警引入到SMECGC風(fēng)險(xiǎn)管理進(jìn)行探索和研究，不但對于豐富和拓寬風(fēng)險(xiǎn)預(yù)警管理的應(yīng)用領(lǐng)域具有一定的理論價(jià)值，而且對促進(jìn)SMECGC的可持續(xù)發(fā)展具有積極的現(xiàn)實(shí)意義。 本文的主要內(nèi)容有7章，從結(jié)構(gòu)上看可分成四個(gè)部分： 第一部分為第一章緒論。主要闡明選題的背景和意義，對國內(nèi)、外信用擔(dān)保及其風(fēng)險(xiǎn)理論文獻(xiàn)進(jìn)行梳理和評述，，介紹本文的研究內(nèi)容、主要思路及研究方法。 第二部分包括第二、三、四章。第二章中小企業(yè)信用擔(dān)保機(jī)構(gòu)風(fēng)險(xiǎn)預(yù)警管理的一般分析，主要介紹了中小企業(yè)信用擔(dān)保機(jī)構(gòu)的相關(guān)概念及其風(fēng)險(xiǎn)的一般分析，同時(shí)，介紹了風(fēng)險(xiǎn)預(yù)警的基本知識，為構(gòu)建中小企業(yè)信用擔(dān)保機(jī)構(gòu)的風(fēng)險(xiǎn)預(yù)警體系提供基礎(chǔ)。第三章，主要考察和評析了中小企業(yè)信用擔(dān)保機(jī)構(gòu)風(fēng)險(xiǎn)管理現(xiàn)狀，通過樣本調(diào)查分析方式對我國擔(dān)保風(fēng)險(xiǎn)管理現(xiàn)狀、問題及成因進(jìn)行了深入剖析，為中小企業(yè)信用擔(dān)保機(jī)構(gòu)的風(fēng)險(xiǎn)預(yù)警指標(biāo)篩選打下基礎(chǔ)。第四章，運(yùn)用模糊數(shù)學(xué)方法構(gòu)建SMECGC的風(fēng)險(xiǎn)預(yù)警模型，主要是運(yùn)用德爾菲法篩選指標(biāo)體系，運(yùn)用AHP層次分析法計(jì)算指標(biāo)權(quán)重，最后運(yùn)用模糊數(shù)學(xué)計(jì)算得出信用擔(dān)保機(jī)構(gòu)的最終風(fēng)險(xiǎn)程度指數(shù)。 第三部分包括第五、六章，這是本文的實(shí)證部分。第五章，基于第四章構(gòu)建的中小企業(yè)信用擔(dān)保公司風(fēng)險(xiǎn)預(yù)警模型，對泰安市的一家擔(dān)保機(jī)構(gòu)進(jìn)行了風(fēng)險(xiǎn)評估，最終得出其風(fēng)險(xiǎn)程度，在此基礎(chǔ)上分析了該擔(dān)保機(jī)構(gòu)的潛在風(fēng)險(xiǎn)因素。第六章，主要分析信用擔(dān)保機(jī)構(gòu)的風(fēng)險(xiǎn)控制措施。 第四部分是第七章，總結(jié)了本文的基本觀點(diǎn)，指出了下一步的研究方向。 本文的主要?jiǎng)?chuàng)新點(diǎn)在于，將風(fēng)險(xiǎn)預(yù)警的理論引入了中小企業(yè)信用擔(dān)保機(jī)構(gòu)，并從公司的角度分析中小企業(yè)信用擔(dān)保機(jī)構(gòu)的風(fēng)險(xiǎn)預(yù)警問題，同時(shí)在方法上主要采用了更為科學(xué)的模糊數(shù)學(xué)分析方法。
[Abstract]:In the current world economy, small and medium-sized enterprises (SmallMediu-size, Enterprises, SMEs) on the survival and development is an important part of national economy. However, the small and medium-sized enterprise credit level is low, congenitally deficient, leading to difficulties in financing has become the bottleneck restricting the healthy development, it is also a worldwide problem.
SmallMedium-size Enteprises Credit Guarantee (SMECG), as an institutional arrangement, has become one of the most important measures to solve the financing difficulties of SMEs and support the development of SMEs.
However, the small and medium-sized enterprise credit guarantee is a high risk industry recognized, the level of risk management mechanism is the guarantee for survival and sustainable development of the most important influencing factors of.2007 years, the impact of the global financial crisis triggered by the U.S. subprime crisis, the small and medium enterprises is the rapid deterioration of the living environment, guarantee institutions to provide financing guarantee service for small and medium-sized enterprises are difficult to own, Guarantee corporation risk management more arduous task. As a result of the warning in the leading position in the risk management, therefore, to strengthen the risk management of security agencies, even more significant.
This paper starts from the related theories of SME credit guarantee and risk management starts, the credit guarantee institutions for small and medium-sized enterprises based on risk analysis and risk early warning, focuses on the fuzzy risk early warning theory and the basic framework, design the framework of risk early warning management of small and medium-sized enterprises of Credit Guarantee Corporation, will be introduced to the fuzzy risk warning SMECGC risk management of exploration and research, not only to enrich and broaden the application field of risk management has certain theoretical value, but also has a positive significance to promote sustainable development of SMECGC.
The main contents of this paper are 7 chapters, which can be divided into four parts from the structure.
The first part is the introduction of the first chapter. It mainly expounds the background and significance of the topic selection, reviews and comments on the literature of domestic and foreign credit guarantee and its risk theory, and introduces the research contents, main ideas and research methods.
The second part includes the second, third, four chapters. The second chapter is the analysis of early warning management of the general SME credit guarantee agency risk, mainly introduced the general analysis, the related concepts of SME credit guarantee institutions and risk at the same time, introduced the basic knowledge of risk warning, risk early warning system provides the basis for the construction of small and medium-sized enterprise credit guarantee institutions third. Chapter mainly investigates and analyzes the SME credit guarantee institutions risk management status, through a sample survey analysis on China's security risk management status, problems and causes of in-depth analysis, to lay the foundation for screening the risk early-warning indicators of SME credit guarantee institutions. In the fourth chapter, using the fuzzy mathematics method to construct the risk early-warning model SMECGC, is the main screening index system by Delphy Fa, using the AHP analytic hierarchy process to calculate the index weight, the use of fuzzy numbers The final risk index of a credit guarantee institution is calculated.
The third part includes fifth, sixth chapters, which is the empirical part of this article. The fifth chapter, the fourth chapter constructs the SME Credit Guarantee Corporation risk early-warning model based on a guarantee agency in Tai'an city conducted risk assessment, finally get the degree of risk, based on the analysis of the potential risk factors of the guarantee institutions. In the sixth chapter, risk the main control measures of credit guarantee institutions.
The fourth part is the seventh chapter, summarizes the basic views of this article, and points out the research direction of the next step.
The main innovation of this paper is to introduce the theory of risk warning into the SME credit guarantee institutions, and analyze the risk early warning problem of SME credit guarantee institutions from the company's perspective. Meanwhile, a more scientific fuzzy mathematical analysis method is adopted.

【學(xué)位授予單位】：山東農(nóng)業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F276.3;F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 陳柳欽,孫建平;制度創(chuàng)新:發(fā)展和完善中小企業(yè)信用擔(dān)保體系的關(guān)鍵路徑[J];北京工業(yè)大學(xué)學(xué)報(bào)(社會科學(xué)版);2004年02期

2 付俊文,趙紅;信息不對稱下的中小企業(yè)信用擔(dān)保數(shù)理分析[J];財(cái)經(jīng)研究;2004年07期

3 石校文 ,梁迎新;小議中小企業(yè)信用擔(dān)保體系的建立[J];財(cái)會月刊;2004年10期

4 隋劍雄,林琪;試論我國商業(yè)銀行信貸風(fēng)險(xiǎn)預(yù)警系統(tǒng)的建立[J];金融論壇;2004年08期

5 袁象;余思勤;卞sソ

本文編號：1597325