科技型中小微企业信用评级体系研究

发布时间：2018-05-29 12:20

本文选题：科技型中小微企业 + 信用评级体系　；参考：《湖南大学》2016年硕士论文

【摘要】：中小微企业一直在我国的改革开放进程中扮演者重要的角色,近些年来,科学技术发展迅猛,科技创新不断涌出,随之而来的科技型中小微企业也进一步发展起来,为当今中国国民经济发展增添活力。然而,在国民经济中扮演如此重要角色的科技型中小微企业,现在却普遍面临着融资难问题。虽然国家一直在鼓励科技型中小微企业发展,在政府工作报告中反复强调“大众创业,万众创新”,也出台了大量政策试图解决这个问题,但是融资难的问题仍然是制约科技型中小微企业发展的一个重大障碍。就我国目前情况来说,虽然有新三板、科创板这样的融资平台,但是真正能够通过这些平台融资的企业少之又少,商业银行贷款仍然是科技型中小微企业融资的一个重要渠道。目前,科技型中小微企业向商业银行贷款十分困难,企业本身确实也存在一定问题,但是更多的有价值的企业贷不到款是由于现有的评级体系低估了科技型中小微企业的信用水平。现有的评级体系主要为一般企业设计的,不能体现科技型中小微企业的特点,也不能全面衡量企业风险。因此,根据以上情况,本文结合我国科技型中小微企业的特点,设立了一个针对科技型中小微企业的信用评级体系。文章通过分析科技型中小微企业的特点以及目前信用评级体系存在的问题,运用层次分析法以及定量与定性相结合的方法,为科技型中小微企业构建了一个新的评级体系,采用针对科技型中小微企业的指标体系,重新设立权重,运用模糊综合评价法进行评分评级。最终文章通过一个案例来验证体系的实用性,并与一般企业的信用评级体系相对比,通过对比发现本文的体系解决了市场上存在的低估科技型中小微企业信用的问题,更加全面的衡量了科技型中小微企业的风险。
[Abstract]:Small and medium-sized enterprises have always played an important role in the process of reform and opening up in our country. In recent years, science and technology have developed rapidly, and scientific and technological innovation has been constantly pouring out, followed by the further development of small and medium-sized science and technology enterprises. To add vitality to the development of China's national economy today. However, the small and medium-sized technological enterprises, which play such an important role in the national economy, now generally face the problem of financing. Although the state has been encouraging the development of small, medium and small technology-based enterprises, it has repeatedly stressed in its government work report that "mass entrepreneurship, mass innovation," and a large number of policies have been introduced to try to solve this problem. However, the problem of financing is still a major obstacle to the development of small and medium-sized enterprises. As far as our country is concerned, although there are three new boards and such financing platforms as Kechang Board, there are very few enterprises that can really raise funds through these platforms. Commercial bank loans are still an important channel for financing science and technology medium and small enterprises. At present, it is very difficult for small and medium-sized scientific and technological enterprises to lend to commercial banks, and the enterprises themselves do have certain problems. But more valuable companies fail to borrow because the existing rating system understates the creditworthiness of small, medium and small tech firms. The existing rating system is mainly designed for general enterprises, which can not reflect the characteristics of science and technology small and medium-sized enterprises, nor can it comprehensively measure the risks of enterprises. Therefore, according to the above situation, this paper sets up a credit rating system for science and technology medium and small enterprises in accordance with the characteristics of Chinese science and technology small and medium enterprises. By analyzing the characteristics of science and technology medium and small enterprises and the problems existing in the credit rating system at present, this paper constructs a new rating system for science and technology medium, small and micro enterprises by using the method of analytic hierarchy process and the combination of quantitative and qualitative analysis. The index system of science and technology medium and small enterprises is adopted, the weight is re-established, and the fuzzy comprehensive evaluation method is used to score and grade. Finally, this paper verifies the practicability of the system through a case, and compares it with the credit rating system of general enterprises, and finds that the system of this paper solves the problem of undervaluing the credit of small and medium-sized enterprises of science and technology type in the market. A more comprehensive measure of the risk of technology-based small and medium-sized enterprises.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F276.44

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