中小企业民间借贷融资风险评估体系构建研究

发布时间：2018-01-25 23:02

本文关键词： 中小企业民间借贷融资风险评估模糊层次分析法　出处：《沈阳航空航天大学》2014年硕士论文　论文类型：学位论文

【摘要】：中小企业在我国国民经济中的地位举足轻重，已经成为我国经济发展中的一支重要力量。自2011年我国实施紧缩的货币政策，信贷规模减少后，首先缩减的即是中小企业的贷款规模，，大量的中小企业遭受资金寒流，难以从正规金融获得融资支持，资金成为制约其发展的最大“瓶颈”。而民间借贷因其手续简便、期限短、担保方式多样等明显优势，成为了现阶段大多数中小企业融资选择的宠儿。但伴随浙江温州、内蒙古鄂尔多斯等地方老板“跑路”现象频出，民间借贷融资风险日益突出，中小企业的生存和发展面临严重挑战。本文从中小企业自身防范和控制民间借贷融资风险的角度出发，通过对中小企业民间借贷融资现状的深入分析，识别其中可能存在的风险，在系统性、科学性、针对性和可操作性原则的指导下，设置相关定性、定量指标，构建民间借贷融资风险指标体系；然后运用德尔菲专家打分法和模糊层次分析法确定各风险指标权重，接着运用模糊数学评估融资风险的等级，最后提出防范和控制中小企业民间借贷融资风险的措施。本文旨在为中小企业评估民间借贷融资风险提供一种方法参考，以帮助其及时识别、准确评估和有效控制融资风险，使民间借贷更好地为中小企业提供资金支持和融资服务。
[Abstract]:Small and medium-sized enterprises play an important role in our national economy and have become an important force in the economic development of our country. Since 2011, our country has implemented a tight monetary policy, and the scale of credit has decreased. The first is to reduce the size of SMEs loans, a large number of SMEs suffered from the cold current of funds, difficult to obtain financing support from formal finance. Capital becomes the biggest "bottleneck" that restricts its development. But the folk loan has obvious advantages such as simple procedure, short term, various ways of guarantee and so on. It has become the favorite of most SMEs' financing choice at this stage. But with the frequent phenomenon of "running the road" of local bosses such as Wenzhou in Zhejiang and Ordos in Inner Mongolia, the risk of private loan financing is increasingly prominent. The survival and development of small and medium-sized enterprises are facing serious challenges. From the point of view of preventing and controlling the risk of private loan financing, this paper analyzes the current situation of private loan financing of small and medium-sized enterprises. Under the guidance of systematic, scientific, pertinence and maneuverability principles, we should set up relevant qualitative and quantitative indexes, and construct the risk index system of folk loan financing. Then use Delphi expert scoring method and fuzzy analytic hierarchy process to determine the weight of each risk index, and then use fuzzy mathematics to evaluate the level of financing risk. Finally, the paper puts forward the measures to prevent and control the private loan financing risk of small and medium-sized enterprises. The purpose of this paper is to provide a method reference for small and medium-sized enterprises to evaluate the private loan financing risk, in order to help them to identify in time. Accurate assessment and effective control of financing risks to enable private lending to provide better financial support and financing services for small and medium-sized enterprises.
【学位授予单位】：沈阳航空航天大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F276.3;F275

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