河南省小微型科技创业企业信用评价研究

发布时间：2019-06-20 11:05

【摘要】：在国内经济高速发展和改革政策不断深入的条件下,生产高标准、高科技产品的企业越来越受市场的欢迎,因此具备这些特征的小微型科技创业企业近年来获得蓬勃发展,在数量和规模上都得到快速壮大,有效的促进了十二五、十三五期间国民经济的高质量、高速度的发展。信息技术的日新月异,使商业银行、风险投资公司、其他金融机构与小微型科技创业企业之间的信贷方式更加简便,信贷联系更加持久。由于小微型科技创业企业相对于大中型企业在企业组织结构、职工能力和素质、企业管理和财务水平、抵抗内部和外部风险等方面有较大的差异,而现有信用评价体系和模型主要面对大中型企业,不能够体现小微型科技创业企业的和特点,因此,对其并不适用。本文针对河南省小微型科技创业企业的特点和信用现状,探索和研究适合其信用评价的方法和模型,为信用信息需求者提供科学、准确的信用评价依据。经过仔细研究和学习国内外企业信用评价学术领域的新旧理论和研究成果,在借鉴现今学术领域较为认可的信用评价方法和模型的基础上,根据河南省小微型科技创业企业的特征和信用现状,提出了适合对其进行信用评价的科学方法和模型。本文主要从企业成长、营运、盈利、偿债、创新、素质、竞争力、信用状况8个方面,共计34个指标来建立信用评价指标体系,并对经筛选和降维后最终保留的指标变量给出了详细的解释。本文主要运用因子分析来筛选不相关的指标变量,从而提升指标体系和模型的合理性、可操作性,在删去相关的9个变量后,最终保留了25个指标变量。在此基础上对本文选择的100家河南省小微型科技创业企业的信用状况分别使用BP神经网络和Logistic回归进行实证分析,根据模型得出的实证结果归纳出本文的实证结论和对应的政策建议。
[Abstract]:Under the condition of the rapid development of domestic economy and the deepening of the reform policy, the enterprises that produce high standards and high-tech products are more and more popular in the market. Therefore, the small and micro science and technology entrepreneurial enterprises with these characteristics have been booming in recent years, and have been rapidly expanded in quantity and scale, which has effectively promoted the high quality and high speed development of the national economy during the 12th and 13th five-year Plan period. With the rapid development of information technology, the credit mode between commercial banks, venture capital companies, other financial institutions and small and micro technology startups is easier and more lasting. Compared with large and medium-sized enterprises, small and micro-science and technology entrepreneurial enterprises have great differences in organizational structure, staff ability and quality, enterprise management and financial level, resistance to internal and external risks, and the existing credit evaluation system and model are mainly faced with large and medium-sized enterprises, which can not reflect the sum characteristics of small and micro-science and technology entrepreneurial enterprises, so they are not suitable for them. According to the characteristics and credit status of small and micro science and technology start-up enterprises in Henan Province, this paper explores and studies the methods and models suitable for their credit evaluation, so as to provide scientific and accurate credit evaluation basis for credit information demanders. After careful study and study of the new and old theories and research results in the academic field of enterprise credit evaluation at home and abroad, on the basis of drawing lessons from the credit evaluation methods and models recognized in the current academic field, according to the characteristics and credit status of small and micro science and technology start-up enterprises in Henan Province, this paper puts forward the scientific methods and models suitable for credit evaluation. This paper mainly establishes the credit evaluation index system from 8 aspects of enterprise growth, operation, profit, debt service, innovation, quality, competitiveness and credit status, and gives a detailed explanation of the index variables retained after screening and dimension reduction. In this paper, factor analysis is mainly used to screen unrelated index variables, so as to improve the rationality and maneuverability of the index system and model. After deleting the relevant 9 variables, 25 index variables are retained. On this basis, the credit status of the 100 small and micro science and technology startups in Henan Province selected in this paper is empirically analyzed by BP neural network and Logistic regression, and the empirical conclusions and corresponding policy suggestions are summarized according to the empirical results of the model.
【学位授予单位】：中原工学院
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F276.3

【参考文献】