中國中小企業(yè)信用風(fēng)險(xiǎn)評級體系構(gòu)建研究
發(fā)布時(shí)間：2019-03-21 19:00
【摘要】：隨著經(jīng)濟(jì)的快速發(fā)展,中小企業(yè)在中國的發(fā)展日益壯大,為中國國民經(jīng)濟(jì)的發(fā)展做出了巨大的貢獻(xiàn)�？墒菓�(yīng)該看到,融資困難也在制約著中小企業(yè)的發(fā)展,企業(yè)無法融資就無法擴(kuò)大其生產(chǎn)經(jīng)營的規(guī)模,也就無法為國民經(jīng)濟(jì)做出更大的貢獻(xiàn),這種循環(huán)模式引起了學(xué)者的關(guān)注。融資難問題的根源還在于中小企業(yè)信用的問題,因此建立一個(gè)科學(xué)合理有效的評級體系就是解決這類問題的關(guān)鍵舉措。目前中國采用的各類指標(biāo)體系都是依照大型企業(yè)的特點(diǎn)而構(gòu)建的,很多指標(biāo)并不適合中小型企業(yè),也就無法準(zhǔn)確的反映中小企業(yè)的信用狀況。綜上所述,迫切需要根據(jù)中小企業(yè)實(shí)際的情況來進(jìn)行分析,從指標(biāo)體系構(gòu)建的角度出發(fā),建立一套合理有效的指標(biāo)體系,以實(shí)現(xiàn)對中小企業(yè)信用狀況的合理評價(jià),預(yù)期達(dá)到緩解融資困難的難題。本文以中小企業(yè)信用評級的基本理論為出發(fā)點(diǎn),首先從現(xiàn)狀分析,得出中國中小企業(yè)評級體系目前的發(fā)展?fàn)顩r,并且對現(xiàn)有評級體系的弊端和不足進(jìn)行了闡述,并借此指出構(gòu)建一套合理有效的評級機(jī)制的重要性。隨后文章就指標(biāo)體系構(gòu)建的原則以及指標(biāo)選取的內(nèi)容進(jìn)行了詳細(xì)的敘述,根據(jù)設(shè)置原則利用定性和定量分析的方法,在已有指標(biāo)體系的基礎(chǔ)上加入了一些分析的因素,例如還款意愿以及現(xiàn)金流等。希望通過文章的敘述,讓中小企業(yè)評級體系的構(gòu)建成為中國經(jīng)濟(jì)發(fā)展中的一項(xiàng)重要措施,從而能夠有效的防范信用風(fēng)險(xiǎn),為順利解決中小企業(yè)融資難問題提出有效措施,最終推動中國經(jīng)濟(jì)的更快更好發(fā)展。
[Abstract]:With the rapid development of economy, the development of small and medium-sized enterprises in China is becoming stronger and stronger, which has made great contribution to the development of China's national economy. However, it should be seen that financing difficulties are also restricting the development of small and medium-sized enterprises, enterprises cannot finance can not expand the scale of their production and management, also can not make a greater contribution to the national economy, this kind of circular mode has attracted the attention of scholars. The problem of financing is also rooted in the credit of small and medium-sized enterprises. Therefore, the establishment of a scientific, reasonable and effective rating system is the key measure to solve this kind of problems. At present, all kinds of index systems adopted in China are constructed according to the characteristics of large enterprises. Many indicators are not suitable for small and medium-sized enterprises, so they can not accurately reflect the credit status of small and medium-sized enterprises. To sum up, it is urgent to analyze the actual situation of small and medium-sized enterprises and set up a set of reasonable and effective index system from the point of view of the construction of the index system, in order to realize the reasonable evaluation of the credit situation of the small and medium-sized enterprises. It is expected to meet the difficult problem of alleviating financing difficulties. Based on the basic theory of credit rating for small and medium-sized enterprises (SMEs), this paper first analyzes the current situation of China's SME rating system, and expounds the disadvantages and shortcomings of the existing rating system. It also points out the importance of constructing a reasonable and effective rating mechanism. Then the article gives a detailed description of the principles of the construction of the index system and the content of the selection of the index. According to the setting principle, the qualitative and quantitative methods are used to add some analytical factors on the basis of the existing index system. Such as repayment willingness and cash flow. It is hoped that through the description of the article, the construction of the SME rating system will become an important measure in the economic development of China, so as to effectively prevent the credit risk and put forward effective measures for the smooth solution of the financing difficulties of small and medium-sized enterprises. Finally, we will promote the faster and better development of China's economy.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F276.3;F832.4
本文編號：2445229
[Abstract]:With the rapid development of economy, the development of small and medium-sized enterprises in China is becoming stronger and stronger, which has made great contribution to the development of China's national economy. However, it should be seen that financing difficulties are also restricting the development of small and medium-sized enterprises, enterprises cannot finance can not expand the scale of their production and management, also can not make a greater contribution to the national economy, this kind of circular mode has attracted the attention of scholars. The problem of financing is also rooted in the credit of small and medium-sized enterprises. Therefore, the establishment of a scientific, reasonable and effective rating system is the key measure to solve this kind of problems. At present, all kinds of index systems adopted in China are constructed according to the characteristics of large enterprises. Many indicators are not suitable for small and medium-sized enterprises, so they can not accurately reflect the credit status of small and medium-sized enterprises. To sum up, it is urgent to analyze the actual situation of small and medium-sized enterprises and set up a set of reasonable and effective index system from the point of view of the construction of the index system, in order to realize the reasonable evaluation of the credit situation of the small and medium-sized enterprises. It is expected to meet the difficult problem of alleviating financing difficulties. Based on the basic theory of credit rating for small and medium-sized enterprises (SMEs), this paper first analyzes the current situation of China's SME rating system, and expounds the disadvantages and shortcomings of the existing rating system. It also points out the importance of constructing a reasonable and effective rating mechanism. Then the article gives a detailed description of the principles of the construction of the index system and the content of the selection of the index. According to the setting principle, the qualitative and quantitative methods are used to add some analytical factors on the basis of the existing index system. Such as repayment willingness and cash flow. It is hoped that through the description of the article, the construction of the SME rating system will become an important measure in the economic development of China, so as to effectively prevent the credit risk and put forward effective measures for the smooth solution of the financing difficulties of small and medium-sized enterprises. Finally, we will promote the faster and better development of China's economy.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F276.3;F832.4
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