小微企业融资信用风险评价的研究

发布时间：2018-04-22 01:23

本文选题：小微企业 + 小微企业金融服务　；参考：《首都经济贸易大学》2017年硕士论文

【摘要】：小微企业在我国市场经济中成为了重要的组成部分,但是在金融市场上小微企业的资金融通需求却一直没有得到满足。随着金融市场的不断完善和扶持小微企业的政策需要,金融机构开始着眼于发展适合小微企业的金融服务。信用风险是金融机构的主要风险来源,小微企业融资难很大程度上是由于金融机构不能准确衡量和计算其信用风险状况,致使金融机构不敢轻易向小微企业开展业务,导致小微企业失去了获得资金融通的机会,金融机构失去了需求旺盛的客户群体。信用风险广泛的存在于金融市场中,关键在于如何准确的衡量和评价信用风险。小微企业相较于大型、中型企业有一定的特殊性,在信用状况上也有所不同,但是目前针对企业信用风险评价的研究和探索大部分都偏向于大型和中型企业,对于小型企业和微型企业来讲都不太适用。小微企业的融资信用风险得不到科学、准确的评价,阻碍了小微企业金融服务业务的开展,因此如何衡量小微企业的融资信用风险对小微企业以及金融机构都具有重要意义。本文首先介绍了研究的背景、意义、内容和方法,然后通过调研实际情况,搜集和整理文献资料充分了解小微企业,认识到小微企业融资信用风险评价方法的缺失是发展小微企业金融服务的一大阻碍,在分析国内外研究成果的基础上,提出小微企业融资信用风险评价的改进方法,并对其进行实证研究。综合理论与实践,本文将主成分分析方法和神经网络技术引入到小微企业融资信用风险评价中,设计和建立适合小微企业融资信用风险的评价指标体系,通过实证分析验证了该方法的准确性和实用性。
[Abstract]:Small and micro enterprises have become an important part of the market economy in China, but in the financial market, the financing needs of small and micro enterprises have not been satisfied. With the continuous improvement of the financial market and the need of supporting the policy of small and micro enterprises, financial institutions begin to focus on the development of financial services suitable for small and micro enterprises. Credit risk is the main source of risk for financial institutions, and the difficulty in financing small and micro enterprises is largely due to the inability of financial institutions to accurately measure and calculate their credit risk status, so that financial institutions do not dare to carry out business easily with small and micro enterprises. As a result, small-and-micro-sized businesses lose access to finance and financial institutions lose their demanding customer base. Credit risk exists widely in financial market, the key is how to measure and evaluate credit risk accurately. Compared with large and medium-sized enterprises, small and micro enterprises have some particularities and are different in credit status. However, most of the research and exploration on enterprise credit risk evaluation are in favor of large and medium-sized enterprises. For small businesses and micro-enterprises, not very applicable. The financing credit risk of small and micro enterprises can not be evaluated scientifically and accurately, which hinders the development of financial service business of small and micro enterprises. Therefore, how to measure the financing credit risk of small and micro enterprises is of great significance to small and micro enterprises and financial institutions. This paper first introduces the background, significance, content and methods of the research, and then through the investigation of the actual situation, collect and organize the literature to fully understand the small and micro enterprises, Recognizing that the lack of credit risk assessment methods for financing of small and micro enterprises is a major obstacle to the development of financial services for small and micro enterprises, and on the basis of analyzing the research results at home and abroad, an improved method of credit risk assessment for financing of small and micro enterprises is put forward, And carries on the empirical research to it. Synthesizing the theory and practice, this paper introduces the principal component analysis method and the neural network technology into the financing credit risk evaluation of the small and micro enterprises, and designs and establishes the evaluation index system suitable for the financing credit risk of the small and micro enterprises. The accuracy and practicability of the method are verified by empirical analysis.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F275

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