本文選題：后金融危機 + 小微企業(yè)�。� 參考：《湖南大學》2012年碩士論文

【摘要】：小微企業(yè)在中國當代經濟發(fā)展中充當了新鮮血液與主要動力的角色，其存在促進了市場競爭，解決了富余勞動力就業(yè)，促進了社會穩(wěn)定。近年來我國關于小微企業(yè)的研究不斷增多，政府對其支持力度不斷加強。小微企業(yè)在蓬勃發(fā)展的同時也存在一些問題，信用缺失引發(fā)的融資難問題最為顯著。信用評價有助于商業(yè)銀行貸前獲悉小微企業(yè)信用狀況，選擇信用良好的企業(yè)放貸，，從而控制信用缺失，緩解融資難問題�？偠灾ㄟ^信用評價，控制小微企業(yè)信用缺失，促進了小微企業(yè)、商業(yè)銀行以及我國政府多贏局面的出現(xiàn)。目前國內信用評價研究的主體多為中小企業(yè)，缺乏專門針對小微企業(yè)的研究，由于評價體系和評價方法的不適用性，小微企業(yè)融資機會減少，這一問題亟需解決，此即本文研究的出發(fā)點。 本文從信用評價角度出發(fā)，結合后金融危機背景專門對小微企業(yè)進行研究，文章在分析現(xiàn)有中小企業(yè)評價指標體系不足的基礎上，根據小微企業(yè)發(fā)展特點，基于非財務與財務兩個角度構建小微企業(yè)信用評價指標體系。采取模糊層次分析法對小微企業(yè)非財務指標進行綜合評價；采取主成分分析法對小微企業(yè)財務指標進行綜合評價；最后通過加權組合模型形成后金融危機下我國小微企業(yè)信用評價模型，從而對后金融危機背景下我國小微企業(yè)信用狀況進行綜合評估，以此幫助小微企業(yè)獲得合適的信用評分。 為了分析該組合模型的運用，并驗證模型的有效性，本文選取長沙市35家小微企業(yè)進行實例研究，分析結果得出本文所構建的信用評價指標體系以及模型具有可行性，能夠在實際企業(yè)借貸時進行操作，能夠較為真實、全面、客觀地反映后金融危機下小微企業(yè)信用狀況，從而幫助商業(yè)銀行制定信貸決策，緩解小微企業(yè)融資困境，促進小微企業(yè)發(fā)展。最后，在結論部分指出了本文研究的不足以及接下來的研究方向，認為在設計小微企業(yè)信用評價指標體系時應進一步注重理論分析與實證研究，確立各項指標設立嚴格的科學依據。
[Abstract]:Small and micro enterprises play the role of fresh blood and main motive force in the contemporary economic development of China. Their existence promotes market competition, solves the employment of surplus labor force, and promotes social stability. In recent years, the research on small and micro enterprises in China has been increasing, and the government has strengthened its support. At the same time, there are some problems in the development of small and micro enterprises, the financing problem caused by lack of credit is the most obvious. Credit evaluation is helpful for commercial banks to learn about the credit status of small and micro enterprises and to select the enterprises with good credit so as to control the lack of credit and alleviate the difficulty of financing. In a word, credit evaluation can control the credit deficit of small and micro enterprises, and promote the emergence of multi-win situation among small and micro enterprises, commercial banks and our government. At present, the main body of domestic credit evaluation research is mainly small and medium-sized enterprises, lack of special research for small and micro enterprises. Because of the inapplicability of evaluation system and evaluation methods, the financing opportunities of small and micro enterprises are reduced, this problem needs to be solved urgently. This is the starting point of this study. From the point of view of credit evaluation, combined with the background of post-financial crisis, this paper specifically studies small and micro enterprises. On the basis of analyzing the insufficiency of the existing evaluation index system of small and medium-sized enterprises, according to the characteristics of the development of small and micro enterprises, The credit evaluation index system of small and micro enterprises is constructed based on the two angles of non-finance and finance. Fuzzy Analytic hierarchy process (FAHP) is adopted to evaluate the non-financial indexes of small and micro enterprises, and principal component analysis is used to evaluate the financial indexes of small and micro enterprises. Finally, the weighted combination model is used to form the credit evaluation model of China's small and micro enterprises under the post-financial crisis, so as to comprehensively evaluate the credit status of our country's small and micro enterprises under the background of the post-financial crisis, so as to help the small and micro enterprises to obtain the appropriate credit score. In order to analyze the application of the combined model and verify the validity of the model, this paper selects 35 small and micro enterprises in Changsha to carry out a case study. The analysis results show that the credit evaluation index system and the model constructed in this paper are feasible. To be able to operate when the actual enterprise borrows, to reflect the credit status of the small and micro enterprises under the post-financial crisis in a more real, comprehensive and objective manner, thus helping commercial banks to make credit decisions and ease the financing difficulties of the small and micro enterprises. Promoting the development of small and micro enterprises. Finally, in the conclusion part, the author points out the deficiency of the research and the direction of the next research, and thinks that the theoretical analysis and empirical research should be paid more attention to when designing the credit evaluation index system of small and micro enterprises. Establish strict scientific basis for each index.
【學位授予單位】：湖南大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F276.3;F832.4

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