基于中小企业融资业务的信用信息管理问题研究

发布时间：2018-03-19 04:35

本文选题：中小企业　切入点：信用信息　出处：《黑龙江大学》2016年硕士论文　论文类型：学位论文

【摘要】：中小企业是我国国民经济的重要组成部分,在提供就业岗位、推动技术创新、发展国际贸易、推动经济增长等方面发挥着重要作用。然而一直未得到有效解决的融资难题严重阻碍了中小企业的稳定发展。如何帮助中小企业解决融资难问题,助其持续、健康、快速、稳定发展,已经成为目前学术界和实业界共同关注的热点和焦点问题。融资业务以经济主体之间的信用为基础、信息为保障。金融机构与中小企业之间信息不对称是导致中小企业融资困难的最主要原因之一,而中小企业信用及信用管理的缺失逐渐成为企业融资发展道路上的重大阻碍。因此,对中小企业的信用信息管理进行研究,科学、合理地完善中小企业信用信息策略,对改善中小企业的信用环境,促进全社会诚信建设,解决中小企业和银行等金融机构之间的矛盾,具有非常重要的理论和现实意义。本文在明确信用信息管理对中小企业、金融机构、社会经济发展的理论意义及现实意义之后,就其在融资业务前期决策、中期审核、后期管理的作用进行了论述。首先通过信用信息管理的内容、获取渠道、等级评定、审查方式以及失信行为控制方法进行分析,总结现阶段管理中存在的问题。其次结合以互联网金融为载体的阿里巴巴案例,讨论案例模式固有的优势和局限性。最后,在总结现存问题的基础上借鉴阿里案例的管理模式,从培养良好的中小企业信用意识、建立动态信息更新机制、完善信用信息共享、提升第三方信用信息影响力以及依托互联网金融利用大数据等方面提出完善管理的策略。
[Abstract]:Small and medium-sized enterprises are an important part of China's national economy. In providing jobs, promoting technological innovation, and developing international trade, Promoting economic growth plays an important role. However, the problem of financing that has not been effectively solved has seriously hindered the steady development of small and medium-sized enterprises. Stable development has become a hot and focused issue of common concern in academia and industry. Financing business is based on credit among economic entities. Information as a safeguard. Information asymmetry between financial institutions and SMEs is one of the main reasons for financing difficulties of SMEs. The lack of credit and credit management of small and medium-sized enterprises has gradually become a major obstacle to the development of enterprise financing. Therefore, the credit information management of small and medium-sized enterprises should be studied scientifically and reasonably, and the credit information strategy of small and medium-sized enterprises should be improved. It is of great theoretical and practical significance to improve the credit environment of small and medium-sized enterprises, to promote the construction of credit integrity in the whole society, to solve the contradiction between small and medium-sized enterprises and banks and other financial institutions. After the theoretical and practical significance of the development of financial institutions and social economy, this paper discusses the role of financial institutions in the early stage of financing business decision-making, interim audit, and later management. First, through the content of credit information management, obtain channels, Grade evaluation, examination methods and methods of controlling discredit behavior are analyzed, and the problems existing in current management are summarized. Secondly, combined with the case of Alibaba with Internet finance as the carrier, This paper discusses the inherent advantages and limitations of the case model. Finally, on the basis of summing up the existing problems, the paper draws lessons from the management model of Ali's case to cultivate good credit awareness of small and medium-sized enterprises, establish dynamic information updating mechanism, and perfect credit information sharing. Improve the influence of third party credit information and rely on Internet finance big data and other aspects of improving management strategies.
【学位授予单位】：黑龙江大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F276.3;F270

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