本文選題：科技型中小微企業(yè) + 信用評(píng)級(jí)體系　； 參考：《湖南大學(xué)》2016年碩士論文

【摘要】：中小微企業(yè)一直在我國(guó)的改革開(kāi)放進(jìn)程中扮演者重要的角色,近些年來(lái),科學(xué)技術(shù)發(fā)展迅猛,科技創(chuàng)新不斷涌出,隨之而來(lái)的科技型中小微企業(yè)也進(jìn)一步發(fā)展起來(lái),為當(dāng)今中國(guó)國(guó)民經(jīng)濟(jì)發(fā)展增添活力。然而,在國(guó)民經(jīng)濟(jì)中扮演如此重要角色的科技型中小微企業(yè),現(xiàn)在卻普遍面臨著融資難問(wèn)題。雖然國(guó)家一直在鼓勵(lì)科技型中小微企業(yè)發(fā)展,在政府工作報(bào)告中反復(fù)強(qiáng)調(diào)“大眾創(chuàng)業(yè),萬(wàn)眾創(chuàng)新”,也出臺(tái)了大量政策試圖解決這個(gè)問(wèn)題,但是融資難的問(wèn)題仍然是制約科技型中小微企業(yè)發(fā)展的一個(gè)重大障礙。就我國(guó)目前情況來(lái)說(shuō),雖然有新三板、科創(chuàng)板這樣的融資平臺(tái),但是真正能夠通過(guò)這些平臺(tái)融資的企業(yè)少之又少,商業(yè)銀行貸款仍然是科技型中小微企業(yè)融資的一個(gè)重要渠道。目前,科技型中小微企業(yè)向商業(yè)銀行貸款十分困難,企業(yè)本身確實(shí)也存在一定問(wèn)題,但是更多的有價(jià)值的企業(yè)貸不到款是由于現(xiàn)有的評(píng)級(jí)體系低估了科技型中小微企業(yè)的信用水平�，F(xiàn)有的評(píng)級(jí)體系主要為一般企業(yè)設(shè)計(jì)的,不能體現(xiàn)科技型中小微企業(yè)的特點(diǎn),也不能全面衡量企業(yè)風(fēng)險(xiǎn)。因此,根據(jù)以上情況,本文結(jié)合我國(guó)科技型中小微企業(yè)的特點(diǎn),設(shè)立了一個(gè)針對(duì)科技型中小微企業(yè)的信用評(píng)級(jí)體系。文章通過(guò)分析科技型中小微企業(yè)的特點(diǎn)以及目前信用評(píng)級(jí)體系存在的問(wèn)題,運(yùn)用層次分析法以及定量與定性相結(jié)合的方法,為科技型中小微企業(yè)構(gòu)建了一個(gè)新的評(píng)級(jí)體系,采用針對(duì)科技型中小微企業(yè)的指標(biāo)體系,重新設(shè)立權(quán)重,運(yùn)用模糊綜合評(píng)價(jià)法進(jìn)行評(píng)分評(píng)級(jí)。最終文章通過(guò)一個(gè)案例來(lái)驗(yàn)證體系的實(shí)用性,并與一般企業(yè)的信用評(píng)級(jí)體系相對(duì)比,通過(guò)對(duì)比發(fā)現(xiàn)本文的體系解決了市場(chǎng)上存在的低估科技型中小微企業(yè)信用的問(wèn)題,更加全面的衡量了科技型中小微企業(yè)的風(fēng)險(xiǎn)。
[Abstract]:Small and medium-sized enterprises have always played an important role in the process of reform and opening up in our country. In recent years, science and technology have developed rapidly, and scientific and technological innovation has been constantly pouring out, followed by the further development of small and medium-sized science and technology enterprises. To add vitality to the development of China's national economy today. However, the small and medium-sized technological enterprises, which play such an important role in the national economy, now generally face the problem of financing. Although the state has been encouraging the development of small, medium and small technology-based enterprises, it has repeatedly stressed in its government work report that "mass entrepreneurship, mass innovation," and a large number of policies have been introduced to try to solve this problem. However, the problem of financing is still a major obstacle to the development of small and medium-sized enterprises. As far as our country is concerned, although there are three new boards and such financing platforms as Kechang Board, there are very few enterprises that can really raise funds through these platforms. Commercial bank loans are still an important channel for financing science and technology medium and small enterprises. At present, it is very difficult for small and medium-sized scientific and technological enterprises to lend to commercial banks, and the enterprises themselves do have certain problems. But more valuable companies fail to borrow because the existing rating system understates the creditworthiness of small, medium and small tech firms. The existing rating system is mainly designed for general enterprises, which can not reflect the characteristics of science and technology small and medium-sized enterprises, nor can it comprehensively measure the risks of enterprises. Therefore, according to the above situation, this paper sets up a credit rating system for science and technology medium and small enterprises in accordance with the characteristics of Chinese science and technology small and medium enterprises. By analyzing the characteristics of science and technology medium and small enterprises and the problems existing in the credit rating system at present, this paper constructs a new rating system for science and technology medium, small and micro enterprises by using the method of analytic hierarchy process and the combination of quantitative and qualitative analysis. The index system of science and technology medium and small enterprises is adopted, the weight is re-established, and the fuzzy comprehensive evaluation method is used to score and grade. Finally, this paper verifies the practicability of the system through a case, and compares it with the credit rating system of general enterprises, and finds that the system of this paper solves the problem of undervaluing the credit of small and medium-sized enterprises of science and technology type in the market. A more comprehensive measure of the risk of technology-based small and medium-sized enterprises.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2016
【分類號(hào)】：F276.44

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