中小企业信用评价体系研究与应用

发布时间：2018-03-17 15:19

本文选题：中小企业　切入点：信用评价体系　出处：《南京大学》2014年硕士论文　论文类型：学位论文

【摘要】：中小企业在中国有着十分重要的地位。当前金融机构在对中小企业评价时,往往采用与大型企业相近的评价体系,更强调全面性。由于评价体系不合适可能会造成中小企业信用评价结果与实际不符,这样进一步加剧了中小型企业融资难现象。在此背景下,建立一个符合中小企业特点,又具可操作性的信用评价体系是有必要的。本文首先介绍了中小企业信用评价相关理论,然后分析了中小企业发展与信用评价体系现状,在此基础上构建了信用评价体系与评价模型。最后对中小企业信用评价发展提出了对策建议并对全文进行了总结与展望。在构建中小企业评价体系时,本文参考了大量文献资料与银行、担保公司等金融机构评价体系并进行了归纳与总结。分为定量与定性两个部分,其中定量部分主要通过文献归纳总结得出,定性部分来自行业专家总结,并通过层次分析法来计算体系中各层次要素的权重。中小企业信用评价模型的计算过程是,对于定量指标在将其进行标准化处理后,采用线性加权法计算,定性指标则采用模糊数学综合评价法来计算评估。然后利用实习过程中所接触到的中小企业—江苏sX电子有限公司为案例,采用本文构建的模型对其进行评价,总评分为54.584分,对应等级为BB级,与金融机构内部等级较为接近。本文创新点主要是在构建中小企业评价体系时将理论与实践相结合,特别前往无锡锡山信泰担保投资有限公司请教学习,获得了行业专家对于中小企业信用评价的相关实践总结,评价体系中定性部分主要基于此。除此以外提出了推动信用评价机构市场化,建立信用大数据平台提供征信服务的建议。
[Abstract]:Small and medium-sized enterprises (SMEs) have a very important position in China. At present, when financial institutions evaluate small and medium-sized enterprises, they often use an evaluation system similar to that of large enterprises. More emphasis on comprehensiveness. Because the inappropriate evaluation system may cause the credit evaluation results of small and medium-sized enterprises to be inconsistent with the actual situation, thus further exacerbating the financing difficulties of small and medium-sized enterprises. In this context, the establishment of a system that conforms to the characteristics of small and medium-sized enterprises, It is necessary to have an operational credit evaluation system. This paper first introduces the relevant theories of SME credit evaluation, and then analyzes the current situation of SME development and credit evaluation system. On this basis, the credit evaluation system and evaluation model are constructed. Finally, the countermeasures and suggestions for the development of SME credit evaluation are put forward, and the full text is summarized and prospected. This paper refers to a large number of literature and financial institutions evaluation system, such as banks, guarantee companies, etc. It is divided into two parts: quantitative and qualitative, in which the quantitative part is mainly concluded by literature summarization. The qualitative part comes from the industry experts' summary, and calculates the weight of the elements of each level in the system by AHP. The calculation process of the credit evaluation model of small and medium-sized enterprises is that, after the quantitative indicators are standardized, The linear weighting method is used to calculate, and the fuzzy mathematics comprehensive evaluation method is used to calculate the qualitative index. Then, the case of Jiangsu SX Electronics Co., Ltd., which is contacted in the course of practice, is used as a case study. The model constructed in this paper is used to evaluate it. The total score is 54.584, the corresponding grade is BB, which is close to the internal grade of financial institutions. The innovation of this paper is mainly to combine theory with practice in the construction of evaluation system for small and medium-sized enterprises. In particular, he went to Wuxi Xishan Xintai guarantee Investment Co., Ltd. to consult and study, and obtained a summary of the relevant practice of the industry experts on the credit evaluation of small and medium-sized enterprises. The qualitative part of the evaluation system is mainly based on this. In addition, some suggestions are put forward to promote the marketization of credit evaluation institutions and establish the platform of credit big data to provide credit information services.
【学位授予单位】：南京大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F426.6;F832.2

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