商業(yè)銀行中小企業(yè)信用評級指標(biāo)體系優(yōu)化研究
[Abstract]:Since the reform and opening up, small and medium-sized enterprises in China have developed rapidly into an important force in the national economy. However, the financing difficulties of small and medium-sized enterprises have also aroused widespread concern. On the one hand, the foundation of small and medium-sized enterprises in our country is weak and the problem of lack of credit is serious, which affects the whole credit of small and medium-sized enterprises. On the other hand, the social credit system of our country is not perfect at present, and the way of loan is single. One of the deep reasons for SMEs' difficulty in financing is that the credit is undervalued, which stems from the fact that the credit rating index system of commercial banks is not applicable to SMEs. Therefore, it is of great theoretical and practical significance to study the optimization of the credit rating index system of commercial banks. This paper takes the concept of credit rating of SMEs and related theories as the logical starting point, according to the boundary of SMEs, which is defined in the Circular on issuing the Standard provisions for SMEs, issued in June 2011. This paper focuses on the optimization of the credit rating index system of small and medium-sized enterprises in commercial banks in China. This paper adopts the analytic hierarchy process (AHP) based comprehensive analysis method, draws lessons from the foreign mature experience, according to the Basel New Capital Accord, The requirements of relevant laws and regulations on bank rating, the problems existing in the credit rating of small and medium-sized enterprises and the credit characteristics of small and medium-sized enterprises, This paper optimizes the credit rating index system of small and medium-sized enterprises in China's commercial banks from two aspects: index selection and weight determination. In the optimization design, the proportion of enterprise financial data index should be reduced appropriately, and the non-financial indexes, such as industry prospect, enterprise quality, innovation ability and performance ability, as well as cash flow and dynamic financial indexes should be strengthened. In this paper, 11 non-financial factor indexes are selected, and the most representative 8 quantitative indexes are selected through the systematic cluster analysis of the financial data of 20 listed small and medium-sized enterprises by using SPSS software. The combination weight is determined by the expert scoring method and the optimized credit rating model of small and medium-sized enterprises is constructed and applied through consistency test. The optimization effect is verified.
【學(xué)位授予單位】:南京理工大學(xué)
【學(xué)位級別】:碩士
【學(xué)位授予年份】:2014
【分類號】:F832.4
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