基于因子分析法的科技型中小企业信用风险评价研究

发布时间：2018-05-14 13:19

本文选题：科技型中小企业 + 信用风险　；参考：《贵州财经大学》2014年硕士论文

【摘要】：科技型中小企业作为主要生产高新技术产品的企业群体，，是我国技术创新的主要载体和经济增长的重要推动力量，在促进科技成果转化和产业化以创新带动就业建设创新型国家中发挥着重要作用。党中央国务院长期以来非常重视科技型中小企业的发展，各级地方政府也采取各种措施以支持科技型中小企业发展。国民经济各个行业的科技型中小企业，为促进先进适用技术应用高新技术产业化和战略性新兴产业发展，推动科技与经济紧密结合做出了积极贡献。但是与我国科技型中小企业的重要地位不对称的是，资金短缺一直是科技型中小企业发展壮大的重要长障碍。造成这种现状的重要原因之一就是对科技型中小企业信用风险评价不当，但是国内对科技型中小企业信用风险评价的研究比较少。本文在理论分析以及国内外研究成果的基础上，结合科技型中小企业自身的特点，构建了科技型中小企业信用风险评价指标体系，包括定性指标和定量指标。本文对定性指标采用专家打分法进行量化。重点选取中小板上市的30家企业作为样本，应用因子分析方法提取反应科技型中小企业信用风险评价的公因子，通过公因子得分和企业信用风险指数得分，得出这30个企业的信用风险状况排名。本文针对科技型中小企业进行信用风险评价，具有一定的实践意义，希望能为银行等金融机构以及信用评级机构对科技型中小企业进行信用风险评价提供借鉴，也能够改善科技型中小企业融资难的状况。
[Abstract]:As a group of enterprises that mainly produce high and new technology products, science and technology SMEs are the main carriers of technological innovation and an important driving force for economic growth in China. It plays an important role in promoting the transformation and industrialization of scientific and technological achievements. For a long time, the CPC Central Committee and the State Council have attached great importance to the development of science and technology SMEs, and local governments at all levels have also taken various measures to support the development of science and technology SMEs. The small and medium-sized scientific and technological enterprises in various sectors of the national economy have made positive contributions to promoting the industrialization of advanced and applicable technologies, the application of high and new technologies, and the development of strategic emerging industries, and to promoting the close integration of science and technology with the economy. However, the shortage of funds has been an important obstacle to the development of science and technology SMEs. One of the important reasons for this situation is that the credit risk evaluation of science and technology SMEs is improper, but the domestic research on credit risk evaluation of science and technology SMEs is relatively few. On the basis of theoretical analysis and domestic and foreign research results, this paper constructs the credit risk evaluation index system of science and technology SMEs, including qualitative index and quantitative index. This paper uses the expert scoring method to quantify the qualitative index. In this paper, 30 enterprises listed on small and medium-sized enterprises are selected as samples, and the common factors which reflect the credit risk evaluation of small and medium-sized technological enterprises are extracted by factor analysis, and the scores of common factor and enterprise credit risk index are obtained by means of common factor score and enterprise credit risk index score. Get the credit risk status of these 30 enterprises rank. This paper aims at the credit risk evaluation of small and medium-sized technological enterprises, which has certain practical significance, and hopes to provide reference for banks and other financial institutions and credit rating agencies to evaluate the credit risk of science and technology small and medium-sized enterprises. Can also improve the financing of small and medium-sized technology-based situation.
【学位授予单位】：贵州财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.44;F832.4

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