基于银行内部信用评级的唐山市中小企业信贷融资

发布时间：2018-02-21 15:29

本文关键词： 信用评级中小企业信贷融资规模歧视　出处：《河北大学》2012年硕士论文　论文类型：学位论文

【摘要】：中小企业是国民经济的重要组成部分，对于推进市场经济的发展，增加就业机会和促进社会协调发展起了重要的作用，其生存与发展受到社会各界的广泛关注。限制中小企业发展的主要原因是资金短缺，中小企业信贷融资难是普遍存在的问题，河北省唐山市亦不例外。信用评级是帮助银行测定企业贷款风险的一种有效机制，是中小企业获得信贷融资的关键因素，，但信用评级体系的不完善造成了中小企业融资困境，制约了企业的发展。因此，研究银行内部信用评级对中小企业信贷融资的影响，完善信用评级体系，能更好地解决中小企业融资难的问题。本文首先阐述了信用评级与信贷融资的基本理论，分析了银行内部信用评级对中小企业信贷融资可获性的影响，并以唐山市为研究对象，研究了该市中小企业信贷融资状况和原因以及银行内部信用评级状况。本文依据唐山市某大型商业银行的统计数据，探讨了银行内部信用评级对中小企业信贷融资可获性的影响，针对唐山地区中小企业信用评级体系中的问题提出了改进意见。本论文经研究得出结论为：信息不对称是造成中小企业信贷融资难的根本原因，信用评级缓解了银企之间信息不对称程度，对中小企业信贷融资可获性起着关键作用，本文认为建立针对中小企业特点的信用评级是缓解中小企业信贷融资难的重要途径。
[Abstract]:As an important part of the national economy, small and medium-sized enterprises play an important role in promoting the development of the market economy, increasing employment opportunities and promoting the coordinated development of society. The main reason for restricting the development of small and medium-sized enterprises is the shortage of funds, and the difficulty of credit financing for small and medium-sized enterprises is a common problem. Tangshan City, Hebei Province is no exception. Credit rating is an effective mechanism to help banks to measure the risk of enterprise loans and a key factor for SMEs to obtain credit financing. However, the imperfection of credit rating system causes financing difficulties for SMEs. Therefore, to study the impact of internal credit rating on SME credit financing, improve the credit rating system, Firstly, this paper expounds the basic theory of credit rating and credit financing, analyzes the influence of internal credit rating on the availability of SME credit financing, and takes Tangshan City as the research object. This paper studies the credit financing situation and the reasons of the small and medium-sized enterprises in the city as well as the internal credit rating status of the banks. This paper is based on the statistical data of a large commercial bank in Tangshan City. This paper probes into the influence of internal credit rating of banks on the availability of credit financing for small and medium-sized enterprises, and puts forward some suggestions for improving the credit rating system of small and medium-sized enterprises in Tangshan area. The conclusion of this paper is as follows: information asymmetry is the fundamental cause of SMEs' credit financing difficulties, credit rating alleviates the degree of information asymmetry between banks and enterprises, and plays a key role in the availability of SME credit financing. This paper holds that establishing credit rating according to the characteristics of SMEs is an important way to ease the difficulty of SME credit financing.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F276.3;F832.4

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