基于供应链融资的小微企业信用评价体系研究

发布时间：2018-11-15 16:37

【摘要】：小微企业是推动我国国民经济增长的重要力量,其地位和作用近几年才被重视起来。然而,融资难一直困扰着小微企业的持续发展,造成小微企业融资困境的原因是多方面的。在小微企业的众多融资渠道中,向银行贷款是最常见和实际的选择,供应链融资成为了缓解小微企业发展困境的主要途径,并且也为商业银行找到了新的利润增长点,是一种双赢的选择。本文展开对基于供应链融资下的小微企业信用评价进行研究,构造评价指标体系,改变了传统的授信评级要求。在选定评价指标后,采用层次分析法确定指标权重,并采用灰色综合评价法实例评价一小微企业,比较新的评价体系与传统评价体系在改善小微企业信用水平方面的优越性,试图科学、客观的反应小微企业的信用水平。重新构建小微企业信用评价体系,对于解决小微企业融资难问题是一个重要的方面。我国的信用评价体系还处在全面建设阶段,对小微企业的信用评价不够科学,没有客观的反映小微企业的信用水平。本文依托供应链融资模式,建立一种基于供应链的小微企业信用评价体系,为解决小微企业融资难问题建言献策。
[Abstract]:Small and micro enterprises are an important force to promote the growth of our national economy, and their status and role have been attached importance to in recent years. However, the difficulty of financing has been perplexing the sustainable development of small and micro enterprises, and there are many reasons for the financing difficulties of small and micro enterprises. Among the many financing channels of small and micro enterprises, bank loan is the most common and practical choice. Supply chain financing has become the main way to alleviate the plight of small and micro enterprises, and has also found a new profit growth point for commercial banks. It is a win-win choice. In this paper, the credit evaluation of small and micro enterprises based on supply chain financing is studied, the evaluation index system is constructed, and the traditional credit rating requirements are changed. After the evaluation index is selected, the weight of the index is determined by AHP, and an example of grey comprehensive evaluation method is used to evaluate a small and micro enterprise. The advantages of the new evaluation system and the traditional evaluation system in improving the credit level of small and micro enterprises are compared. Trying to scientifically and objectively reflect the credit level of small and micro enterprises. Reconstructing the credit evaluation system of small and micro enterprises is an important aspect to solve the financing problem of small and micro enterprises. The credit evaluation system of our country is still in the overall construction stage. The credit evaluation of the small and micro enterprises is not scientific enough and does not objectively reflect the credit level of the small and micro enterprises. Based on the supply chain financing model, this paper establishes a credit evaluation system for small and micro enterprises based on supply chain, and provides suggestions for solving the financing difficulties of small and micro enterprises.
【学位授予单位】：内蒙古农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F274;F832.4

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