本文選題：中小企業(yè)　切入點：信用評價體系　出處：《南京大學》2014年碩士論文　論文類型：學位論文

【摘要】：中小企業(yè)在中國有著十分重要的地位。當前金融機構在對中小企業(yè)評價時,往往采用與大型企業(yè)相近的評價體系,更強調全面性。由于評價體系不合適可能會造成中小企業(yè)信用評價結果與實際不符,這樣進一步加劇了中小型企業(yè)融資難現象。在此背景下,建立一個符合中小企業(yè)特點,又具可操作性的信用評價體系是有必要的。本文首先介紹了中小企業(yè)信用評價相關理論,然后分析了中小企業(yè)發(fā)展與信用評價體系現狀,在此基礎上構建了信用評價體系與評價模型。最后對中小企業(yè)信用評價發(fā)展提出了對策建議并對全文進行了總結與展望。在構建中小企業(yè)評價體系時,本文參考了大量文獻資料與銀行、擔保公司等金融機構評價體系并進行了歸納與總結。分為定量與定性兩個部分,其中定量部分主要通過文獻歸納總結得出,定性部分來自行業(yè)專家總結,并通過層次分析法來計算體系中各層次要素的權重。中小企業(yè)信用評價模型的計算過程是,對于定量指標在將其進行標準化處理后,采用線性加權法計算,定性指標則采用模糊數學綜合評價法來計算評估。然后利用實習過程中所接觸到的中小企業(yè)—江蘇sX電子有限公司為案例,采用本文構建的模型對其進行評價,總評分為54.584分,對應等級為BB級,與金融機構內部等級較為接近。本文創(chuàng)新點主要是在構建中小企業(yè)評價體系時將理論與實踐相結合,特別前往無錫錫山信泰擔保投資有限公司請教學習,獲得了行業(yè)專家對于中小企業(yè)信用評價的相關實踐總結,評價體系中定性部分主要基于此。除此以外提出了推動信用評價機構市場化,建立信用大數據平臺提供征信服務的建議。
[Abstract]:Small and medium-sized enterprises (SMEs) have a very important position in China. At present, when financial institutions evaluate small and medium-sized enterprises, they often use an evaluation system similar to that of large enterprises. More emphasis on comprehensiveness. Because the inappropriate evaluation system may cause the credit evaluation results of small and medium-sized enterprises to be inconsistent with the actual situation, thus further exacerbating the financing difficulties of small and medium-sized enterprises. In this context, the establishment of a system that conforms to the characteristics of small and medium-sized enterprises, It is necessary to have an operational credit evaluation system. This paper first introduces the relevant theories of SME credit evaluation, and then analyzes the current situation of SME development and credit evaluation system. On this basis, the credit evaluation system and evaluation model are constructed. Finally, the countermeasures and suggestions for the development of SME credit evaluation are put forward, and the full text is summarized and prospected. This paper refers to a large number of literature and financial institutions evaluation system, such as banks, guarantee companies, etc. It is divided into two parts: quantitative and qualitative, in which the quantitative part is mainly concluded by literature summarization. The qualitative part comes from the industry experts' summary, and calculates the weight of the elements of each level in the system by AHP. The calculation process of the credit evaluation model of small and medium-sized enterprises is that, after the quantitative indicators are standardized, The linear weighting method is used to calculate, and the fuzzy mathematics comprehensive evaluation method is used to calculate the qualitative index. Then, the case of Jiangsu SX Electronics Co., Ltd., which is contacted in the course of practice, is used as a case study. The model constructed in this paper is used to evaluate it. The total score is 54.584, the corresponding grade is BB, which is close to the internal grade of financial institutions. The innovation of this paper is mainly to combine theory with practice in the construction of evaluation system for small and medium-sized enterprises. In particular, he went to Wuxi Xishan Xintai guarantee Investment Co., Ltd. to consult and study, and obtained a summary of the relevant practice of the industry experts on the credit evaluation of small and medium-sized enterprises. The qualitative part of the evaluation system is mainly based on this. In addition, some suggestions are put forward to promote the marketization of credit evaluation institutions and establish the platform of credit big data to provide credit information services.
【學位授予單位】：南京大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F426.6;F832.2

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相關期刊論文 前1條

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本文編號：1625307