本文選題：高新企業(yè)　切入點(diǎn)：信貸風(fēng)險(xiǎn)　出處：《河北科技大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：目前，高新企業(yè)已成為推進(jìn)經(jīng)濟(jì)發(fā)展方式轉(zhuǎn)變、產(chǎn)業(yè)結(jié)構(gòu)升級(jí)的重要力量，在國民經(jīng)濟(jì)中起到戰(zhàn)略先導(dǎo)性的作用。在利率市場化改革推進(jìn)的攻堅(jiān)階段，為河北省高新企業(yè)信貸帶來了新的契機(jī)，也為河北省高新企業(yè)的信貸風(fēng)險(xiǎn)控制與防范帶來新的問題。高新企業(yè)在信貸過程中，沒有專門性和針對(duì)性的信用評(píng)級(jí)體系，這對(duì)高新企業(yè)的信貸風(fēng)險(xiǎn)評(píng)價(jià)極不合理。從利率市場化發(fā)展與高新企業(yè)自身特點(diǎn)出發(fā)，，研究河北省高新企業(yè)信貸風(fēng)險(xiǎn)問題，建立全面科學(xué)的高新企業(yè)信貸風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)體系是提高社會(huì)對(duì)高新企業(yè)認(rèn)知度，深化利率市場化條件下高新企業(yè)信貸機(jī)制，降低籌資成本的迫切需要。這對(duì)促進(jìn)河北省高新企業(yè)健康、有序發(fā)展，推動(dòng)河北省信貸機(jī)制升級(jí)，降低銀行和金融機(jī)構(gòu)的信貸風(fēng)險(xiǎn)有著重大意義。 本文以利率市場化為背景，對(duì)河北省高新企業(yè)信貸風(fēng)險(xiǎn)問題進(jìn)行研究，首先概括總結(jié)了高新企業(yè)信貸風(fēng)險(xiǎn)方面的相關(guān)概念和主要理論，分析和論述了我國高新企業(yè)信貸的基本現(xiàn)狀，然后指出我國高新企業(yè)信貸中面臨的主要問題，應(yīng)用專家法和層次分析法建立并完善河北省高新企業(yè)信貸風(fēng)險(xiǎn)中的信用評(píng)價(jià)體系。進(jìn)而，構(gòu)建模糊綜合評(píng)價(jià)模型并以河北省十五家高新企業(yè)情況為參照，對(duì)河北省一高新企業(yè)進(jìn)行實(shí)證研究和分析。最后著重分析了利率市場化條件下，銀行在高新企業(yè)信貸風(fēng)險(xiǎn)方面的防范對(duì)策。
[Abstract]:At present, high-tech enterprises have become an important force in promoting the transformation of the mode of economic development and upgrading of the industrial structure, and have played a strategic leading role in the national economy. It brings new opportunities for hi-tech enterprises credit in Hebei Province, and also brings new problems to the credit risk control and prevention of hi-tech enterprises in Hebei Province. There is no specialized and targeted credit rating system in the credit process of hi-tech enterprises. It is extremely unreasonable to evaluate the credit risk of high-tech enterprises. Based on the development of interest rate marketization and the characteristics of high-tech enterprises, the credit risk of high-tech enterprises in Hebei Province is studied. The establishment of a comprehensive and scientific credit risk evaluation index system for high-tech enterprises is to enhance the social awareness of high-tech enterprises and deepen the credit mechanism of high-tech enterprises under the condition of marketization of interest rates. It is of great significance to promote the healthy and orderly development of high-tech enterprises in Hebei Province, to promote the upgrading of credit mechanism in Hebei Province, and to reduce the credit risk of banks and financial institutions. Based on the background of interest rate marketization, this paper studies the credit risk of high-tech enterprises in Hebei Province, and summarizes the related concepts and main theories of credit risk of high-tech enterprises. This paper analyzes and discusses the basic status quo of high-tech enterprise credit in China, and then points out the main problems faced by high-tech enterprise credit in China. Applying expert method and analytic hierarchy process to establish and perfect credit evaluation system of high and new enterprises in Hebei province. Furthermore, a fuzzy comprehensive evaluation model is constructed and the situation of 15 high-tech enterprises in Hebei Province is taken as a reference. This paper makes an empirical study and analysis on a high-tech enterprise in Hebei Province. Finally, it analyzes the countermeasures of the bank in the aspect of credit risk of high-tech enterprise under the condition of marketization of interest rate.
【學(xué)位授予單位】：河北科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4;F276.44

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