發(fā)布時(shí)間：2018-04-22 01:23

  本文選題：小微企業(yè) + 小微企業(yè)金融服務(wù)��； 參考：《首都經(jīng)濟(jì)貿(mào)易大學(xué)》2017年碩士論文

【摘要】：小微企業(yè)在我國(guó)市場(chǎng)經(jīng)濟(jì)中成為了重要的組成部分,但是在金融市場(chǎng)上小微企業(yè)的資金融通需求卻一直沒(méi)有得到滿足。隨著金融市場(chǎng)的不斷完善和扶持小微企業(yè)的政策需要,金融機(jī)構(gòu)開(kāi)始著眼于發(fā)展適合小微企業(yè)的金融服務(wù)。信用風(fēng)險(xiǎn)是金融機(jī)構(gòu)的主要風(fēng)險(xiǎn)來(lái)源,小微企業(yè)融資難很大程度上是由于金融機(jī)構(gòu)不能準(zhǔn)確衡量和計(jì)算其信用風(fēng)險(xiǎn)狀況,致使金融機(jī)構(gòu)不敢輕易向小微企業(yè)開(kāi)展業(yè)務(wù),導(dǎo)致小微企業(yè)失去了獲得資金融通的機(jī)會(huì),金融機(jī)構(gòu)失去了需求旺盛的客戶群體。信用風(fēng)險(xiǎn)廣泛的存在于金融市場(chǎng)中,關(guān)鍵在于如何準(zhǔn)確的衡量和評(píng)價(jià)信用風(fēng)險(xiǎn)。小微企業(yè)相較于大型、中型企業(yè)有一定的特殊性,在信用狀況上也有所不同,但是目前針對(duì)企業(yè)信用風(fēng)險(xiǎn)評(píng)價(jià)的研究和探索大部分都偏向于大型和中型企業(yè),對(duì)于小型企業(yè)和微型企業(yè)來(lái)講都不太適用。小微企業(yè)的融資信用風(fēng)險(xiǎn)得不到科學(xué)、準(zhǔn)確的評(píng)價(jià),阻礙了小微企業(yè)金融服務(wù)業(yè)務(wù)的開(kāi)展,因此如何衡量小微企業(yè)的融資信用風(fēng)險(xiǎn)對(duì)小微企業(yè)以及金融機(jī)構(gòu)都具有重要意義。本文首先介紹了研究的背景、意義、內(nèi)容和方法,然后通過(guò)調(diào)研實(shí)際情況,搜集和整理文獻(xiàn)資料充分了解小微企業(yè),認(rèn)識(shí)到小微企業(yè)融資信用風(fēng)險(xiǎn)評(píng)價(jià)方法的缺失是發(fā)展小微企業(yè)金融服務(wù)的一大阻礙,在分析國(guó)內(nèi)外研究成果的基礎(chǔ)上,提出小微企業(yè)融資信用風(fēng)險(xiǎn)評(píng)價(jià)的改進(jìn)方法,并對(duì)其進(jìn)行實(shí)證研究。綜合理論與實(shí)踐,本文將主成分分析方法和神經(jīng)網(wǎng)絡(luò)技術(shù)引入到小微企業(yè)融資信用風(fēng)險(xiǎn)評(píng)價(jià)中,設(shè)計(jì)和建立適合小微企業(yè)融資信用風(fēng)險(xiǎn)的評(píng)價(jià)指標(biāo)體系,通過(guò)實(shí)證分析驗(yàn)證了該方法的準(zhǔn)確性和實(shí)用性。
[Abstract]:Small and micro enterprises have become an important part of the market economy in China, but in the financial market, the financing needs of small and micro enterprises have not been satisfied. With the continuous improvement of the financial market and the need of supporting the policy of small and micro enterprises, financial institutions begin to focus on the development of financial services suitable for small and micro enterprises. Credit risk is the main source of risk for financial institutions, and the difficulty in financing small and micro enterprises is largely due to the inability of financial institutions to accurately measure and calculate their credit risk status, so that financial institutions do not dare to carry out business easily with small and micro enterprises. As a result, small-and-micro-sized businesses lose access to finance and financial institutions lose their demanding customer base. Credit risk exists widely in financial market, the key is how to measure and evaluate credit risk accurately. Compared with large and medium-sized enterprises, small and micro enterprises have some particularities and are different in credit status. However, most of the research and exploration on enterprise credit risk evaluation are in favor of large and medium-sized enterprises. For small businesses and micro-enterprises, not very applicable. The financing credit risk of small and micro enterprises can not be evaluated scientifically and accurately, which hinders the development of financial service business of small and micro enterprises. Therefore, how to measure the financing credit risk of small and micro enterprises is of great significance to small and micro enterprises and financial institutions. This paper first introduces the background, significance, content and methods of the research, and then through the investigation of the actual situation, collect and organize the literature to fully understand the small and micro enterprises, Recognizing that the lack of credit risk assessment methods for financing of small and micro enterprises is a major obstacle to the development of financial services for small and micro enterprises, and on the basis of analyzing the research results at home and abroad, an improved method of credit risk assessment for financing of small and micro enterprises is put forward, And carries on the empirical research to it. Synthesizing the theory and practice, this paper introduces the principal component analysis method and the neural network technology into the financing credit risk evaluation of the small and micro enterprises, and designs and establishes the evaluation index system suitable for the financing credit risk of the small and micro enterprises. The accuracy and practicability of the method are verified by empirical analysis.
【學(xué)位授予單位】：首都經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.4;F275

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