發(fā)布時間：2018-07-27 14:09

【摘要】：中小企業(yè)群體對我國GDP的貢獻(xiàn)超過65%,是推動我國經(jīng)濟(jì)增長不可或缺的力量。資金短缺是中小企業(yè)面臨的最大困擾,單一的融資渠道和較高的融資成本都制約著中小企業(yè)的發(fā)展。盡管當(dāng)前互聯(lián)網(wǎng)金融為中小企業(yè)提供了諸如P2P網(wǎng)貸、眾籌平臺等融資渠道,但是仍無法解決融資難問題。中小企業(yè)目前最主要的融資渠道仍然是商業(yè)銀行貸款,這也使商業(yè)銀行面臨著信用風(fēng)險的挑戰(zhàn),因此對中小企業(yè)信用風(fēng)險的評估尤為重要。城市商業(yè)銀行是為地方經(jīng)濟(jì)提供金融支持而成立,已然成為中小企業(yè)融資的首選渠道。本文對D商業(yè)銀行現(xiàn)有中小企業(yè)信用評級存在的問題進(jìn)行分析,基于存在的問題和前人研究成果初步選擇6類26個指標(biāo),并通過對中小板上市的中小企業(yè)財務(wù)數(shù)據(jù)的相關(guān)性分析篩選定量指標(biāo),通過問卷調(diào)查篩選定性指標(biāo),最終確定10個定性指標(biāo)和6個定量指標(biāo)。隨后結(jié)合層次分析法,分別對上述指標(biāo)進(jìn)行權(quán)重的計算,在此基礎(chǔ)上完成信用評級體系的構(gòu)建。本文選取了7家信用良好和3家信用不良的D商業(yè)銀行的客戶進(jìn)行實(shí)證分析,運(yùn)用新指標(biāo)體系對10家企業(yè)重新確定信用等級,與改進(jìn)前的評級體系相比結(jié)果更為合理,對D商業(yè)銀行防范中小企業(yè)信用風(fēng)險、提高信貸水平有著重要意義和實(shí)踐價值。
[Abstract]:Small and medium-sized enterprises (SMEs) contribute more than 65% to China's GDP, which is an indispensable force to promote China's economic growth. The shortage of funds is the biggest problem faced by SMEs. The development of SMEs is restricted by single financing channel and high financing cost. Although Internet finance provides financing channels for SMEs such as P2P loan and crowdfunding platform, it still can not solve the problem of financing. At present, the main financing channel of SMEs is still commercial bank loan, which makes commercial banks face the challenge of credit risk, so it is very important to evaluate the credit risk of SMEs. City commercial bank is established to provide financial support for local economy and has become the preferred financing channel for SMEs. This paper analyzes the problems existing in the credit rating of small and medium-sized enterprises in D commercial bank. Based on the existing problems and previous research results, this paper preliminarily selects 6 kinds of 26 indicators. Through the correlation analysis of the financial data of the small and medium-sized enterprises listed on the small and medium-sized enterprises, the quantitative indexes are screened, and the 10 qualitative indexes and 6 quantitative indexes are determined by the questionnaire survey. Then, the weight of the above indexes is calculated by AHP, and the credit rating system is constructed on this basis. In this paper, the customers of 7 D commercial banks with good credit and 3 D commercial banks with bad credit are selected for empirical analysis. The new index system is used to determine the credit rating of 10 enterprises. The results are more reasonable than those before the improvement. It is of great significance and practical value for D commercial bank to guard against the credit risk of small and medium-sized enterprises and to improve the credit level.
【學(xué)位授予單位】：北京化工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F832.4

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本文編號：2148071