我国中小微企业无抵押贷款的信用风险度量研究

发布时间：2018-03-20 03:23

本文选题：中小微企业　切入点：信用风险　出处：《华东师范大学》2014年硕士论文　论文类型：学位论文

【摘要】：中小微企业近年来的日益发展构成了我国经济建设的新兴力量,但是与之俱来的融资信贷要求也催生了商业银行在衡量评估中小微企业信用风险方面采取的新技术和新管理方式。正是应这种需求,本文在考察研究前期学者的主要工作以及中小微企业的特殊性质后,决定从经营者素质、企业经营概况、行业发展以及宏观经济指标等四方面因素综合评估,而非仅仅使用财务比率的方法,同时计量手段方面采用哑变量logistic回归模型。最终建立起一套可于金融服务实践环节进行操作尝试的定量信用风险评估方法。
[Abstract]:The growing development of small and medium-sized enterprises in recent years constitutes a new force in China's economic construction. However, the financing and credit requirements have also given rise to new techniques and new management methods adopted by commercial banks in measuring and evaluating the credit risk of small and medium-sized enterprises. In response to this demand, this paper, after investigating the main work of scholars in the early stage and the special nature of small and medium-sized enterprises, decides to consider the quality of operators and the general situation of business operations. Comprehensive assessment of four factors, including industry development and macroeconomic indicators, rather than the use of financial ratios alone, At the same time, the quantitative credit risk assessment method which can be used in the practice of financial services is established by adopting the dummy variable logistic regression model.
【学位授予单位】：华东师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F832.4

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