商业银行的中小企业信用评价研究

发布时间：2018-01-08 03:07

本文关键词：商业银行的中小企业信用评价研究　出处：《江苏科技大学》2011年硕士论文　论文类型：学位论文

【摘要】：信用的好坏直接影响中小企业的发展前途,好的信用可以拓宽企业融资渠道,为其带来可观的利益,坏的信用会严重阻碍其发展,因此,对其进行合理的信用评价是关键。然而,国内目前对中小企业的信用评价大都不合理,不具针对性和科学性。因此,为中小企业建立一套科学完善的、适应其发展的信用评价指标体系和模型已迫在眉睫。与大企业相比,中小企业有其自身的特点,在为中小企业构建信用评价指标体系和模型时,要在借鉴已有评价指标体系和模型的基础上结合其特点,建立中小企业信用评价指标体系和模型。本文综合比较了各信用评价方法并评价了各自的优势。从信用评价指标体系构建的基本原则出发,充分借鉴国内外研究成果并结合中小企业特有的性质,从企业的6个方面(整体情况、市场评价、财务状况、结算状况、创新和风险情况)构建了反映企业信用状况的中小企业信用评价指标体系。随后,在已有信用评价方法和模型中,根据各种方法对于我国中小企业信用评价的适用性和可行性,最终选取了AGA-CAHP法和模糊综合评价法相结合的方法来建立中小企业的信用评价模型。本文应用修正判断矩阵一致性的遗传层次分析法(AGA-CAHP),静态分析和动态分析相结合的方法对各判断矩阵中的指标进行了权重的确定,并对各矩阵进行一致性检验。运用模糊综合评价的方法建立了中小企业信用评价模型,并进行了实证研究,评价结果与工商银行2009年对该企业的评价结果一致,说明该方法具有较强的科学性、可行性和适用性,最后关于商业银行对中小企业进行信用评价提出了一些建议。
[Abstract]:The quality of credit directly affects the development prospects of small and medium-sized enterprises, good credit can broaden the financing channels of enterprises, bring them considerable benefits, bad credit will seriously hinder its development, so. Reasonable credit evaluation is the key. However, most of the domestic credit evaluation of SMEs is unreasonable, not targeted and scientific. Therefore, to establish a set of scientific and perfect for SMEs. Compared with large enterprises, small and medium-sized enterprises have their own characteristics, in the construction of credit evaluation index system and model for small and medium-sized enterprises. Based on the existing evaluation index system and model, the credit evaluation index system and model of small and medium-sized enterprises should be established. This paper comprehensively compares the credit evaluation methods and evaluates their advantages. Based on the basic principles of the credit evaluation index system, the author fully draws on the domestic and foreign research results and combines the characteristics of SMEs. From the six aspects of the enterprise (overall situation, market evaluation, financial situation, settlement status, innovation and risk), this paper constructs the credit evaluation index system of small and medium-sized enterprises. In the existing credit evaluation methods and models, according to the various methods for the credit evaluation of small and medium-sized enterprises in China, the applicability and feasibility. Finally, the AGA-CAHP method and the fuzzy comprehensive evaluation method are selected to establish the credit evaluation model of small and medium-sized enterprises. In this paper, the genetic hierarchy process (GAHP), which modifies the consistency of judgment matrix, is used to determine the weights of indexes in each judgment matrix by combining static analysis with dynamic analysis. Using the fuzzy comprehensive evaluation method, the credit evaluation model of small and medium-sized enterprises is established, and the empirical research is carried out. The evaluation result is consistent with that of ICBC in 2009, which shows that the method is scientific, feasible and applicable. Finally, some suggestions are put forward on the credit evaluation of small and medium-sized enterprises by commercial banks.
【学位授予单位】：江苏科技大学
【学位级别】：硕士
【学位授予年份】：2011
【分类号】：F276.3;F832.4;F224

【相似文献】