后金融危机下我国小微企业信用评价研究

发布时间：2018-04-20 06:29

本文选题：后金融危机 + 小微企业　；参考：《湖南大学》2012年硕士论文

【摘要】：小微企业在中国当代经济发展中充当了新鲜血液与主要动力的角色，其存在促进了市场竞争，解决了富余劳动力就业，促进了社会稳定。近年来我国关于小微企业的研究不断增多，政府对其支持力度不断加强。小微企业在蓬勃发展的同时也存在一些问题，信用缺失引发的融资难问题最为显著。信用评价有助于商业银行贷前获悉小微企业信用状况，选择信用良好的企业放贷，，从而控制信用缺失，缓解融资难问题。总而言之，通过信用评价，控制小微企业信用缺失，促进了小微企业、商业银行以及我国政府多赢局面的出现。目前国内信用评价研究的主体多为中小企业，缺乏专门针对小微企业的研究，由于评价体系和评价方法的不适用性，小微企业融资机会减少，这一问题亟需解决，此即本文研究的出发点。本文从信用评价角度出发，结合后金融危机背景专门对小微企业进行研究，文章在分析现有中小企业评价指标体系不足的基础上，根据小微企业发展特点，基于非财务与财务两个角度构建小微企业信用评价指标体系。采取模糊层次分析法对小微企业非财务指标进行综合评价；采取主成分分析法对小微企业财务指标进行综合评价；最后通过加权组合模型形成后金融危机下我国小微企业信用评价模型，从而对后金融危机背景下我国小微企业信用状况进行综合评估，以此帮助小微企业获得合适的信用评分。为了分析该组合模型的运用，并验证模型的有效性，本文选取长沙市35家小微企业进行实例研究，分析结果得出本文所构建的信用评价指标体系以及模型具有可行性，能够在实际企业借贷时进行操作，能够较为真实、全面、客观地反映后金融危机下小微企业信用状况，从而帮助商业银行制定信贷决策，缓解小微企业融资困境，促进小微企业发展。最后，在结论部分指出了本文研究的不足以及接下来的研究方向，认为在设计小微企业信用评价指标体系时应进一步注重理论分析与实证研究，确立各项指标设立严格的科学依据。
[Abstract]:Small and micro enterprises play the role of fresh blood and main motive force in the contemporary economic development of China. Their existence promotes market competition, solves the employment of surplus labor force, and promotes social stability. In recent years, the research on small and micro enterprises in China has been increasing, and the government has strengthened its support. At the same time, there are some problems in the development of small and micro enterprises, the financing problem caused by lack of credit is the most obvious. Credit evaluation is helpful for commercial banks to learn about the credit status of small and micro enterprises and to select the enterprises with good credit so as to control the lack of credit and alleviate the difficulty of financing. In a word, credit evaluation can control the credit deficit of small and micro enterprises, and promote the emergence of multi-win situation among small and micro enterprises, commercial banks and our government. At present, the main body of domestic credit evaluation research is mainly small and medium-sized enterprises, lack of special research for small and micro enterprises. Because of the inapplicability of evaluation system and evaluation methods, the financing opportunities of small and micro enterprises are reduced, this problem needs to be solved urgently. This is the starting point of this study. From the point of view of credit evaluation, combined with the background of post-financial crisis, this paper specifically studies small and micro enterprises. On the basis of analyzing the insufficiency of the existing evaluation index system of small and medium-sized enterprises, according to the characteristics of the development of small and micro enterprises, The credit evaluation index system of small and micro enterprises is constructed based on the two angles of non-finance and finance. Fuzzy Analytic hierarchy process (FAHP) is adopted to evaluate the non-financial indexes of small and micro enterprises, and principal component analysis is used to evaluate the financial indexes of small and micro enterprises. Finally, the weighted combination model is used to form the credit evaluation model of China's small and micro enterprises under the post-financial crisis, so as to comprehensively evaluate the credit status of our country's small and micro enterprises under the background of the post-financial crisis, so as to help the small and micro enterprises to obtain the appropriate credit score. In order to analyze the application of the combined model and verify the validity of the model, this paper selects 35 small and micro enterprises in Changsha to carry out a case study. The analysis results show that the credit evaluation index system and the model constructed in this paper are feasible. To be able to operate when the actual enterprise borrows, to reflect the credit status of the small and micro enterprises under the post-financial crisis in a more real, comprehensive and objective manner, thus helping commercial banks to make credit decisions and ease the financing difficulties of the small and micro enterprises. Promoting the development of small and micro enterprises. Finally, in the conclusion part, the author points out the deficiency of the research and the direction of the next research, and thinks that the theoretical analysis and empirical research should be paid more attention to when designing the credit evaluation index system of small and micro enterprises. Establish strict scientific basis for each index.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F276.3;F832.4

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