發(fā)布時(shí)間：2018-04-08 13:43

  本文選題：中小企業(yè)　切入點(diǎn)：信貸風(fēng)險(xiǎn)　出處：《東華大學(xué)》2017年碩士論文

【摘要】：伴隨著我國(guó)經(jīng)濟(jì)的飛速發(fā)展,中小企業(yè)在我國(guó)現(xiàn)代化建設(shè)中起到越來(lái)越重要的作用,但同時(shí),中小企業(yè)的發(fā)展也受到了諸多限制,其中融資難問(wèn)題一直是困擾中小企業(yè)的首要問(wèn)題。在我國(guó),目前金融體系不盡完善的情形下,中小企業(yè)的融資形式相對(duì)單一,主要是向商業(yè)銀行申請(qǐng)貸款。商業(yè)銀行發(fā)生信貸風(fēng)險(xiǎn)的誘發(fā)因素有很多,諸如市場(chǎng)大環(huán)境的不確定性,借款中小企業(yè)的經(jīng)營(yíng)水平的變動(dòng)等都可能導(dǎo)致信貸風(fēng)險(xiǎn)的發(fā)生。一旦商業(yè)銀行信貸風(fēng)險(xiǎn)大量爆發(fā),整個(gè)國(guó)家的金融體系極有可能因此而癱瘓,對(duì)國(guó)民經(jīng)濟(jì)造成的沖擊將不可估量。因此,商業(yè)銀行針對(duì)中小企業(yè)信貸制定行之有效的風(fēng)險(xiǎn)評(píng)價(jià)體系是當(dāng)務(wù)之急。本文的研究思路:本論文首先闡述論題中小企業(yè)信貸風(fēng)險(xiǎn)評(píng)價(jià)研究的目的和意義,對(duì)國(guó)內(nèi)外信貸風(fēng)險(xiǎn)評(píng)價(jià)及中小企業(yè)信貸風(fēng)險(xiǎn)評(píng)價(jià)的研究現(xiàn)狀進(jìn)行了分析與借鑒,在此基礎(chǔ)上,分析評(píng)價(jià)了GT農(nóng)村商業(yè)銀行對(duì)中小企業(yè)信貸評(píng)價(jià)體系的現(xiàn)狀,建立適合GT農(nóng)村商業(yè)銀行中小企業(yè)信貸風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)體系的綜合評(píng)價(jià)模型。該體系運(yùn)用層次分析法和模糊數(shù)學(xué)原理,構(gòu)架適合GT農(nóng)村商業(yè)銀行中小企業(yè)信貸風(fēng)險(xiǎn)管理綜合評(píng)價(jià)模型。最后,通過(guò)實(shí)例說(shuō)明對(duì)中小企業(yè)信貸風(fēng)險(xiǎn)評(píng)價(jià)體系的使用方法,進(jìn)一步驗(yàn)證模型的正確性。本文在以下方面做了一些探索性的研究工作:(1)量化、構(gòu)建中小企業(yè)信貸風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)體系。針對(duì)中小企業(yè)經(jīng)營(yíng)管理特點(diǎn)及企業(yè)性質(zhì),側(cè)重對(duì)企業(yè)的定性分析,并綜合運(yùn)用層次分析法、專(zhuān)家調(diào)查方法、信貸五級(jí)分類(lèi)將定性分析指標(biāo)予以量化,將模糊的定性指標(biāo)轉(zhuǎn)化為了明確的定量指標(biāo),實(shí)現(xiàn)了核心信貸風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)的數(shù)字化,建立了更具針對(duì)性和可操作性的中小企業(yè)信貸風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)體系,對(duì)解決中小企業(yè)信貸風(fēng)險(xiǎn)評(píng)價(jià)失真問(wèn)題提供了較高的參考價(jià)值;(2)構(gòu)建適應(yīng)中小企業(yè)特點(diǎn)的動(dòng)態(tài)信貸風(fēng)險(xiǎn)評(píng)價(jià)模型的思路和方法,運(yùn)用AHP法、模糊數(shù)學(xué)原理,將金融政策法規(guī)的嚴(yán)肅性與中小企業(yè)信貸管理的靈活機(jī)制相結(jié)合,實(shí)現(xiàn)了實(shí)時(shí)風(fēng)險(xiǎn)評(píng)價(jià)。
[Abstract]:With the rapid economic development of our country, small and medium-sized enterprises play an increasingly important role in the modernization construction of our country, but at the same time, the development of small and medium-sized enterprises is also subject to many restrictions.Among them, the problem of financing difficulty has always been the primary problem puzzling small and medium-sized enterprises.In China, under the imperfect financial system, the financing form of small and medium-sized enterprises is relatively single, mainly to apply for loans from commercial banks.There are many inducing factors of credit risk in commercial banks, such as the uncertainty of market environment, the change of management level of loan medium and small enterprises and so on, which may lead to the occurrence of credit risk.Once the credit risk of commercial banks explodes, the whole country's financial system is likely to be paralyzed, and the impact on the national economy will be incalculable.Therefore, it is urgent for commercial banks to establish an effective risk evaluation system for SME credit.The purpose and significance of the research on credit risk evaluation of small and medium-sized enterprises are first expounded in this paper, and the present situation of credit risk assessment and credit risk evaluation of small and medium-sized enterprises at home and abroad are analyzed and used for reference.This paper analyzes and evaluates the present situation of the credit evaluation system of small and medium-sized enterprises in GT Rural Commercial Bank, and establishes a comprehensive evaluation model suitable for the credit risk evaluation index system of small and medium-sized enterprises in rural commercial banks of GT.Based on the analytic hierarchy process (AHP) and fuzzy mathematics theory, this system is suitable for the comprehensive evaluation model of credit risk management of small and medium-sized enterprises in GT rural commercial banks.Finally, an example is given to illustrate the application of the credit risk assessment system for SMEs to verify the correctness of the model.In this paper, we do some exploratory research work in the following aspects: 1) Quantification to construct the credit risk evaluation index system of small and medium-sized enterprises.In view of the characteristics of small and medium-sized enterprises' operation and management and the nature of the enterprises, the qualitative analysis indexes are quantified by the comprehensive use of AHP, the expert investigation method and the five-level classification of credit.The fuzzy qualitative index is transformed into a definite quantitative index, the core credit risk evaluation index is digitized, and a more pertinence and maneuverability index system of SME credit risk evaluation is established.This paper provides a high reference value for solving the problem of distortion in credit risk evaluation of small and medium-sized enterprises. (2) the idea and method of constructing dynamic credit risk evaluation model adapted to the characteristics of small and medium-sized enterprises, using AHP method and fuzzy mathematics principle, are used to solve the problem of credit risk evaluation distortion in small and medium-sized enterprises.Combining the seriousness of financial policies and regulations with the flexible mechanism of credit management of small and medium-sized enterprises, real time risk assessment is realized.
【學(xué)位授予單位】：東華大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F832.4;F276.3

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