基于资信评估路径的中小企业金融担保风险识别研究——兼论中小企业资信评估系统的科学性建构

发布时间：2018-04-22 06:14

本文选题：资信评估 + 中小企业　；参考：《上海金融》2010年10期

【摘要】：金融担保又称"信用担保"。作为金融市场的重要组成部分,中小企业金融担保市场承担着重要的金融功能。文章从资金和信用两大因素出发,设计中小企业资信评估系统的指标体系,该指标体系主要由财务指标体系与非财务指标体系构成。并针对中小企业资信程度所呈现的模糊性特征,运用模糊数学理论,构建了中小企业资信评估系统的评判模型与方法,以实现中小企业金融担保风险识别目标。本研究将不仅发展和完善金融风险管理理论,而且对于提升我国中小企业金融担保业在担保实践中的风险管理水平,加快推进我国中小企业金融担保业的科学化发展进程,实现我国中小企业金融担保业的可持续发展,具有非常重要的理论指导与现实意义。
[Abstract]:Financial guarantee is also called "credit guarantee". As an important part of financial market, SME financial guarantee market plays an important financial function. Based on the two major factors of capital and credit, this paper designs the index system of credit evaluation system for small and medium-sized enterprises, which is mainly composed of financial index system and non-financial index system. According to the fuzzy characteristics of the credit degree of small and medium-sized enterprises, the evaluation model and method of the credit evaluation system of small and medium-sized enterprises are constructed by using the fuzzy mathematics theory, in order to realize the target of identifying the financial guarantee risk of small and medium-sized enterprises. This study will not only develop and perfect the theory of financial risk management, but also promote the level of risk management in the practice of financial guarantee for small and medium-sized enterprises in China, and accelerate the process of scientific development of financial guarantee industry of small and medium-sized enterprises in China. It is of great theoretical and practical significance to realize the sustainable development of financial guarantee industry of small and medium-sized enterprises in China.
【作者单位】：东华大学旭日工商管理学院金融系;
【分类号】：F832.4;F276.3;F224

【共引文献】