黑龙江省中小企业信贷信用信息资源管理研究
发布时间：2018-08-23 10:36
【摘要】：本文首先介绍了中小企业信贷信用信息相关内容的概述，分别从几个方面进行了介绍：介绍了信用及企业信用的由来与发展，，信贷信息资源管理的职能。又对信贷信用风险的相关的内容作了阐述，从信贷风险的定义、风险的发生进行了介绍。 其次辩证法的角度对黑龙江省中小企业融资进行了深层次的分析，把中小企业的融资特点及融资难的原因进行了深度分析，并且从自身因素、金融机构因素、政府因素进行了全方面的解读。 随后又以借贷机构的角度进行深度挖掘中小企业信贷信息资源，并对金融借贷机构的调查特点、调查种类、调查时机等储多方面进行了调查。调查之后，对信贷信用信息资源进行评估，评估的方法有财务比率分析法、财务数字分析法、财务趋势分析法等，并对信贷信用评估法提出了几点要求。最后要对中小企业放款后的程序进行详细的跟踪。最后创造性的提出了政府、中小企业、金融机构等三方共同促进的信贷信用信息资源管理对策。
[Abstract]:This paper first introduces the content of credit information of small and medium-sized enterprises, respectively, from several aspects: the origin and development of credit and enterprise credit, the function of credit information resource management. The related contents of credit risk are expounded, and the definition and occurrence of credit risk are introduced. Secondly, from the perspective of dialectics, this paper makes a deep analysis of the financing characteristics of small and medium-sized enterprises in Heilongjiang Province and the reasons for their difficulty in financing, and from the perspective of their own factors, the factors of financial institutions, The government factors are interpreted in all aspects. Then, the author deeply excavates the credit information resources of small and medium-sized enterprises from the perspective of the lending institution, and investigates the characteristics, types and timing of the investigation of the financial lending institutions. After the investigation, the credit information resources are evaluated, the methods of evaluation are financial ratio analysis, financial digital analysis, financial trend analysis, and some requirements are put forward for credit evaluation. Finally, the small and medium-sized enterprises to lend money after the process of detailed tracking. Finally, creatively put forward the government, small and medium-sized enterprises, financial institutions and other tripartite promotion of credit information resources management measures.
【学位授予单位】：黑龙江大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F275;F832.4;G203
[Abstract]:This paper first introduces the content of credit information of small and medium-sized enterprises, respectively, from several aspects: the origin and development of credit and enterprise credit, the function of credit information resource management. The related contents of credit risk are expounded, and the definition and occurrence of credit risk are introduced. Secondly, from the perspective of dialectics, this paper makes a deep analysis of the financing characteristics of small and medium-sized enterprises in Heilongjiang Province and the reasons for their difficulty in financing, and from the perspective of their own factors, the factors of financial institutions, The government factors are interpreted in all aspects. Then, the author deeply excavates the credit information resources of small and medium-sized enterprises from the perspective of the lending institution, and investigates the characteristics, types and timing of the investigation of the financial lending institutions. After the investigation, the credit information resources are evaluated, the methods of evaluation are financial ratio analysis, financial digital analysis, financial trend analysis, and some requirements are put forward for credit evaluation. Finally, the small and medium-sized enterprises to lend money after the process of detailed tracking. Finally, creatively put forward the government, small and medium-sized enterprises, financial institutions and other tripartite promotion of credit information resources management measures.
【学位授予单位】：黑龙江大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F275;F832.4;G203
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