中小企業(yè)是推動(dòng)國(guó)民經(jīng)濟(jì)發(fā)展,構(gòu)造市場(chǎng)經(jīng)濟(jì)主體,促進(jìn)社會(huì)穩(wěn)定的基礎(chǔ)力量。特別是當(dāng)前,我國(guó)經(jīng)濟(jì)受國(guó)內(nèi)外復(fù)雜多變的政治環(huán)境影響,不確定因素較多,而中小企業(yè)在緩解社會(huì)就業(yè)壓力、實(shí)現(xiàn)科教興國(guó)、優(yōu)化經(jīng)濟(jì)結(jié)構(gòu)等方面,發(fā)揮著越來越重要的作用。為此,國(guó)家也正圍繞中小企業(yè)的發(fā)展問題,推動(dòng)著各地方機(jī)構(gòu)出臺(tái)新政策、新措施,以扶持中小企業(yè)發(fā)展。而商業(yè)銀行,作為我國(guó)金融業(yè)中歷史最悠久,也是最成熟的金融機(jī)構(gòu),首當(dāng)其沖應(yīng)成為扶持中小企業(yè)發(fā)展的主要力量。但在近年來,受互聯(lián)網(wǎng)金融等新經(jīng)濟(jì)體的沖擊,商業(yè)銀行目前在開展中小企業(yè)業(yè)務(wù)方面,尤其是信貸業(yè)務(wù),正面臨著諸多困難與挑戰(zhàn)。本文以G商業(yè)銀行中小企業(yè)信用評(píng)級(jí)模型為實(shí)際案例進(jìn)行研究,通過分析G型商業(yè)銀行中小企業(yè)信用評(píng)級(jí)模型存在的問題,剖析問題形成的原因,提出了針對(duì)原模型的缺陷項(xiàng)進(jìn)行改進(jìn),構(gòu)建G商業(yè)銀行新的中小企業(yè)信用評(píng)級(jí)模型。并運(yùn)用G商業(yè)銀行的中小企業(yè)客戶作為樣本,對(duì)新模型進(jìn)行了效果檢驗(yàn),從而判斷新模型對(duì)比舊模型是否有改進(jìn)效果。本文最后提出了對(duì)G商業(yè)銀行的信用評(píng)級(jí)制度及工作流程的改進(jìn)建議,擬提高該銀行的信用評(píng)級(jí)模型的實(shí)際應(yīng)用效果。本文的主要結(jié)論是,G商業(yè)銀行中小企業(yè)信用評(píng)級(jí)的原... 

【文章來源】：廣東外語外貿(mào)大學(xué)廣東省

【文章頁數(shù)】：82 頁

【學(xué)位級(jí)別】：碩士

【文章目錄】：
ACKNOWLEDGEMENTS
ABSTRACT
摘要
LIST OF ABBREVIATIONS
Chapter I Introduction
    1.1 Research Background
    1.2 Research Significance
        1.2.1 Theoretical significance
        1.2.2 Practical significance
    1.3 Research Method and Idea
        1.3.1 Research Method
        1.3.2 Research Outline
    1.4 Basic Content of the Research
ChapterⅡ Literature Review
    2.1 Literature on Classical Index Model
    2.2 Literature on Modern Index Model
    2.3 Literature Comments
ChapterⅢ Case Description
    3.1 Profile of G Commercial Bank
    3.2 Credit Rating System of SMEs in G Commercial Bank
        3.2.1 Accessing Industry of the SMEs Customer in G Commercial Bank
        3.2.2 Credit rating model of SMEs in G commercial bank
        3.2.3 Definition of the customers’ indicators of the credit rating model
    3.3 Process of the credit rating of SMEs in G commercial bank
ChapterⅣ Case Analysis
    4.1 Problems existing in the credit rating model of SMEs in G commercial bank
        4.1.1 Lack of objective quantitative analysis for the integrity of the rating objects
        4.1.2 The rating process is subjectively influenced by the raters and lacks dynamicverification
    4.2 Analysis of the Reasons for the Credit Rating Model of SMEs in G CommercialBank
        4.2.1 Comprehensiveness of Rating Data
        4.2.2 The composition of rating index system needs further study
        4.2.3 Credit rating system is not perfect and lacks perfect system support
        4.2.4 Lack of Credit Rating Professionals
ChapterⅤSolution and Test
    5.1 Theory Basis for Credit Rating Model Optimization
    5.2 Improvement for the credit rating model of SMEs in G commercial bank
        5.2.1 Add indicator 1: Negative information concerning liability for breach of contract
        5.2.2 Add indicator 2: Negative information on private lending
        5.2.3 Add indicator 3: Negative information concerning labor disputes
        5.2.4 Add indicator 4: Negative information on trade disputes
        5.2.5 The Index Optimizing Item of Credit Rating Model for SMEs of G CommercialBank
    5.3 Test on the Improvement Effect of Credit Rating Model for SMEs in GCommercial Bank
        5.3.1 Test steps
        5.3.2 Sampling test
    5.4 Optimized credit rating system of SMEs in G commercial bank
ChapterⅥ Conclusions and Suggestions
    6.1 Conclusions
        6.1.1 The evaluation effect of the original SME rating model of G Commercial Bankis not good enough to evaluate the credibility of rating objects
        6.1.2 New Credit Assessment Model for SMEs in G Commercial Banks has a moreaccurate screening effect for default customers
        6.1.3 Research results have certain industry reference significance
    6.2 Suggestions
        6.2.1 Strengthen docking with external data sources to speed up the construction ofenterprise wind control database in banks
        6.2.2 Reduce the Dependence on Mortgage
        6.2.3 Strengthen the management of post-loan rating process
        6.2.4 Reduce the Credit Reviewers' Right to Adjust Rating
    6.3 Prospects
REFERENCES


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