本文選題：中小企業(yè)　切入點：信用信息　出處：《黑龍江大學》2016年碩士論文　論文類型：學位論文

【摘要】：中小企業(yè)是我國國民經(jīng)濟的重要組成部分,在提供就業(yè)崗位、推動技術(shù)創(chuàng)新、發(fā)展國際貿(mào)易、推動經(jīng)濟增長等方面發(fā)揮著重要作用。然而一直未得到有效解決的融資難題嚴重阻礙了中小企業(yè)的穩(wěn)定發(fā)展。如何幫助中小企業(yè)解決融資難問題,助其持續(xù)、健康、快速、穩(wěn)定發(fā)展,已經(jīng)成為目前學術(shù)界和實業(yè)界共同關注的熱點和焦點問題。融資業(yè)務以經(jīng)濟主體之間的信用為基礎、信息為保障。金融機構(gòu)與中小企業(yè)之間信息不對稱是導致中小企業(yè)融資困難的最主要原因之一,而中小企業(yè)信用及信用管理的缺失逐漸成為企業(yè)融資發(fā)展道路上的重大阻礙。因此,對中小企業(yè)的信用信息管理進行研究,科學、合理地完善中小企業(yè)信用信息策略,對改善中小企業(yè)的信用環(huán)境,促進全社會誠信建設,解決中小企業(yè)和銀行等金融機構(gòu)之間的矛盾,具有非常重要的理論和現(xiàn)實意義。本文在明確信用信息管理對中小企業(yè)、金融機構(gòu)、社會經(jīng)濟發(fā)展的理論意義及現(xiàn)實意義之后,就其在融資業(yè)務前期決策、中期審核、后期管理的作用進行了論述。首先通過信用信息管理的內(nèi)容、獲取渠道、等級評定、審查方式以及失信行為控制方法進行分析,總結(jié)現(xiàn)階段管理中存在的問題。其次結(jié)合以互聯(lián)網(wǎng)金融為載體的阿里巴巴案例,討論案例模式固有的優(yōu)勢和局限性。最后,在總結(jié)現(xiàn)存問題的基礎上借鑒阿里案例的管理模式,從培養(yǎng)良好的中小企業(yè)信用意識、建立動態(tài)信息更新機制、完善信用信息共享、提升第三方信用信息影響力以及依托互聯(lián)網(wǎng)金融利用大數(shù)據(jù)等方面提出完善管理的策略。
[Abstract]:Small and medium-sized enterprises are an important part of China's national economy. In providing jobs, promoting technological innovation, and developing international trade, Promoting economic growth plays an important role. However, the problem of financing that has not been effectively solved has seriously hindered the steady development of small and medium-sized enterprises. Stable development has become a hot and focused issue of common concern in academia and industry. Financing business is based on credit among economic entities. Information as a safeguard. Information asymmetry between financial institutions and SMEs is one of the main reasons for financing difficulties of SMEs. The lack of credit and credit management of small and medium-sized enterprises has gradually become a major obstacle to the development of enterprise financing. Therefore, the credit information management of small and medium-sized enterprises should be studied scientifically and reasonably, and the credit information strategy of small and medium-sized enterprises should be improved. It is of great theoretical and practical significance to improve the credit environment of small and medium-sized enterprises, to promote the construction of credit integrity in the whole society, to solve the contradiction between small and medium-sized enterprises and banks and other financial institutions. After the theoretical and practical significance of the development of financial institutions and social economy, this paper discusses the role of financial institutions in the early stage of financing business decision-making, interim audit, and later management. First, through the content of credit information management, obtain channels, Grade evaluation, examination methods and methods of controlling discredit behavior are analyzed, and the problems existing in current management are summarized. Secondly, combined with the case of Alibaba with Internet finance as the carrier, This paper discusses the inherent advantages and limitations of the case model. Finally, on the basis of summing up the existing problems, the paper draws lessons from the management model of Ali's case to cultivate good credit awareness of small and medium-sized enterprises, establish dynamic information updating mechanism, and perfect credit information sharing. Improve the influence of third party credit information and rely on Internet finance big data and other aspects of improving management strategies.
【學位授予單位】：黑龍江大學
【學位級別】：碩士
【學位授予年份】：2016
【分類號】：F276.3;F270

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