本文選題：科技型中小企業(yè) + 信用風(fēng)險(xiǎn)　； 參考：《貴州財(cái)經(jīng)大學(xué)》2014年碩士論文

【摘要】：科技型中小企業(yè)作為主要生產(chǎn)高新技術(shù)產(chǎn)品的企業(yè)群體，，是我國(guó)技術(shù)創(chuàng)新的主要載體和經(jīng)濟(jì)增長(zhǎng)的重要推動(dòng)力量，在促進(jìn)科技成果轉(zhuǎn)化和產(chǎn)業(yè)化以創(chuàng)新帶動(dòng)就業(yè)建設(shè)創(chuàng)新型國(guó)家中發(fā)揮著重要作用。黨中央國(guó)務(wù)院長(zhǎng)期以來(lái)非常重視科技型中小企業(yè)的發(fā)展，各級(jí)地方政府也采取各種措施以支持科技型中小企業(yè)發(fā)展。國(guó)民經(jīng)濟(jì)各個(gè)行業(yè)的科技型中小企業(yè)，為促進(jìn)先進(jìn)適用技術(shù)應(yīng)用高新技術(shù)產(chǎn)業(yè)化和戰(zhàn)略性新興產(chǎn)業(yè)發(fā)展，推動(dòng)科技與經(jīng)濟(jì)緊密結(jié)合做出了積極貢獻(xiàn)。但是與我國(guó)科技型中小企業(yè)的重要地位不對(duì)稱的是，資金短缺一直是科技型中小企業(yè)發(fā)展壯大的重要長(zhǎng)障礙。造成這種現(xiàn)狀的重要原因之一就是對(duì)科技型中小企業(yè)信用風(fēng)險(xiǎn)評(píng)價(jià)不當(dāng)，但是國(guó)內(nèi)對(duì)科技型中小企業(yè)信用風(fēng)險(xiǎn)評(píng)價(jià)的研究比較少。 本文在理論分析以及國(guó)內(nèi)外研究成果的基礎(chǔ)上，結(jié)合科技型中小企業(yè)自身的特點(diǎn)，構(gòu)建了科技型中小企業(yè)信用風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)體系，包括定性指標(biāo)和定量指標(biāo)。本文對(duì)定性指標(biāo)采用專家打分法進(jìn)行量化。重點(diǎn)選取中小板上市的30家企業(yè)作為樣本，應(yīng)用因子分析方法提取反應(yīng)科技型中小企業(yè)信用風(fēng)險(xiǎn)評(píng)價(jià)的公因子，通過(guò)公因子得分和企業(yè)信用風(fēng)險(xiǎn)指數(shù)得分，得出這30個(gè)企業(yè)的信用風(fēng)險(xiǎn)狀況排名。 本文針對(duì)科技型中小企業(yè)進(jìn)行信用風(fēng)險(xiǎn)評(píng)價(jià)，具有一定的實(shí)踐意義，希望能為銀行等金融機(jī)構(gòu)以及信用評(píng)級(jí)機(jī)構(gòu)對(duì)科技型中小企業(yè)進(jìn)行信用風(fēng)險(xiǎn)評(píng)價(jià)提供借鑒，也能夠改善科技型中小企業(yè)融資難的狀況。
[Abstract]:As a group of enterprises that mainly produce high and new technology products, science and technology SMEs are the main carriers of technological innovation and an important driving force for economic growth in China. It plays an important role in promoting the transformation and industrialization of scientific and technological achievements. For a long time, the CPC Central Committee and the State Council have attached great importance to the development of science and technology SMEs, and local governments at all levels have also taken various measures to support the development of science and technology SMEs. The small and medium-sized scientific and technological enterprises in various sectors of the national economy have made positive contributions to promoting the industrialization of advanced and applicable technologies, the application of high and new technologies, and the development of strategic emerging industries, and to promoting the close integration of science and technology with the economy. However, the shortage of funds has been an important obstacle to the development of science and technology SMEs. One of the important reasons for this situation is that the credit risk evaluation of science and technology SMEs is improper, but the domestic research on credit risk evaluation of science and technology SMEs is relatively few. On the basis of theoretical analysis and domestic and foreign research results, this paper constructs the credit risk evaluation index system of science and technology SMEs, including qualitative index and quantitative index. This paper uses the expert scoring method to quantify the qualitative index. In this paper, 30 enterprises listed on small and medium-sized enterprises are selected as samples, and the common factors which reflect the credit risk evaluation of small and medium-sized technological enterprises are extracted by factor analysis, and the scores of common factor and enterprise credit risk index are obtained by means of common factor score and enterprise credit risk index score. Get the credit risk status of these 30 enterprises rank. This paper aims at the credit risk evaluation of small and medium-sized technological enterprises, which has certain practical significance, and hopes to provide reference for banks and other financial institutions and credit rating agencies to evaluate the credit risk of science and technology small and medium-sized enterprises. Can also improve the financing of small and medium-sized technology-based situation.
【學(xué)位授予單位】：貴州財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F276.44;F832.4

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