本文關(guān)鍵詞： 中小企業(yè) 民間借貸融資 風(fēng)險評估 模糊層次分析法　出處：《沈陽航空航天大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：中小企業(yè)在我國國民經(jīng)濟中的地位舉足輕重，已經(jīng)成為我國經(jīng)濟發(fā)展中的一支重要力量。自2011年我國實施緊縮的貨幣政策，信貸規(guī)模減少后，首先縮減的即是中小企業(yè)的貸款規(guī)模，，大量的中小企業(yè)遭受資金寒流，難以從正規(guī)金融獲得融資支持，資金成為制約其發(fā)展的最大“瓶頸”。而民間借貸因其手續(xù)簡便、期限短、擔(dān)保方式多樣等明顯優(yōu)勢，成為了現(xiàn)階段大多數(shù)中小企業(yè)融資選擇的寵兒。但伴隨浙江溫州、內(nèi)蒙古鄂爾多斯等地方老板“跑路”現(xiàn)象頻出，民間借貸融資風(fēng)險日益突出，中小企業(yè)的生存和發(fā)展面臨嚴(yán)重挑戰(zhàn)。本文從中小企業(yè)自身防范和控制民間借貸融資風(fēng)險的角度出發(fā)，通過對中小企業(yè)民間借貸融資現(xiàn)狀的深入分析，識別其中可能存在的風(fēng)險，在系統(tǒng)性、科學(xué)性、針對性和可操作性原則的指導(dǎo)下，設(shè)置相關(guān)定性、定量指標(biāo)，構(gòu)建民間借貸融資風(fēng)險指標(biāo)體系；然后運用德爾菲專家打分法和模糊層次分析法確定各風(fēng)險指標(biāo)權(quán)重，接著運用模糊數(shù)學(xué)評估融資風(fēng)險的等級，最后提出防范和控制中小企業(yè)民間借貸融資風(fēng)險的措施。本文旨在為中小企業(yè)評估民間借貸融資風(fēng)險提供一種方法參考，以幫助其及時識別、準(zhǔn)確評估和有效控制融資風(fēng)險，使民間借貸更好地為中小企業(yè)提供資金支持和融資服務(wù)。
[Abstract]:Small and medium-sized enterprises play an important role in our national economy and have become an important force in the economic development of our country. Since 2011, our country has implemented a tight monetary policy, and the scale of credit has decreased. The first is to reduce the size of SMEs loans, a large number of SMEs suffered from the cold current of funds, difficult to obtain financing support from formal finance. Capital becomes the biggest "bottleneck" that restricts its development. But the folk loan has obvious advantages such as simple procedure, short term, various ways of guarantee and so on. It has become the favorite of most SMEs' financing choice at this stage. But with the frequent phenomenon of "running the road" of local bosses such as Wenzhou in Zhejiang and Ordos in Inner Mongolia, the risk of private loan financing is increasingly prominent. The survival and development of small and medium-sized enterprises are facing serious challenges. From the point of view of preventing and controlling the risk of private loan financing, this paper analyzes the current situation of private loan financing of small and medium-sized enterprises. Under the guidance of systematic, scientific, pertinence and maneuverability principles, we should set up relevant qualitative and quantitative indexes, and construct the risk index system of folk loan financing. Then use Delphi expert scoring method and fuzzy analytic hierarchy process to determine the weight of each risk index, and then use fuzzy mathematics to evaluate the level of financing risk. Finally, the paper puts forward the measures to prevent and control the private loan financing risk of small and medium-sized enterprises. The purpose of this paper is to provide a method reference for small and medium-sized enterprises to evaluate the private loan financing risk, in order to help them to identify in time. Accurate assessment and effective control of financing risks to enable private lending to provide better financial support and financing services for small and medium-sized enterprises.
【學(xué)位授予單位】：沈陽航空航天大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4;F276.3;F275

【參考文獻】

相關(guān)期刊論文 前10條

1 熊年春;;中小企業(yè)民間借貸風(fēng)險管控思考[J];財會通訊;2011年32期

2 周茂清;;關(guān)于我國民間借貸問題的探討[J];當(dāng)代經(jīng)濟管理;2011年10期

3 趙勇;;中國民間借貸風(fēng)險研究——風(fēng)險表現(xiàn)、成因剖析與對策建議[J];南方金融;2012年02期

4 張朝輝;;試論民間借貸風(fēng)險及預(yù)防措施[J];法制與社會;2013年06期

5 楊麗娟;;民營中小企業(yè)民間借貸融資風(fēng)險及防范[J];財會通訊;2013年05期

6 諸葛雋;;民間金融創(chuàng)新:溫州的實踐[J];上海經(jīng)濟研究;2009年04期

7 陶余會;如何構(gòu)造模糊層次分析法中模糊一致判斷矩陣[J];四川師范學(xué)院學(xué)報(自然科學(xué)版);2002年03期

8 胡朝舉;胡朝炳;;中小企業(yè)民間借貸活躍的理性分析[J];金融經(jīng)濟;2010年06期

9 范露琳;周益萍;李士杰;;民間融資與小微企業(yè)發(fā)展探究——基于浙江臺州市300戶小微企業(yè)融資情況的實證分析[J];經(jīng)濟視角(下);2013年06期

10 曾康霖;;對區(qū)域民間金融的評析[J];西南金融;2006年01期

本文編號：1463939