利率市场化条件下河北省高新企业信贷风险研究

发布时间：2018-03-19 23:30

本文选题：高新企业　切入点：信贷风险　出处：《河北科技大学》2013年硕士论文　论文类型：学位论文

【摘要】：目前，高新企业已成为推进经济发展方式转变、产业结构升级的重要力量，在国民经济中起到战略先导性的作用。在利率市场化改革推进的攻坚阶段，为河北省高新企业信贷带来了新的契机，也为河北省高新企业的信贷风险控制与防范带来新的问题。高新企业在信贷过程中，没有专门性和针对性的信用评级体系，这对高新企业的信贷风险评价极不合理。从利率市场化发展与高新企业自身特点出发，，研究河北省高新企业信贷风险问题，建立全面科学的高新企业信贷风险评价指标体系是提高社会对高新企业认知度，深化利率市场化条件下高新企业信贷机制，降低筹资成本的迫切需要。这对促进河北省高新企业健康、有序发展，推动河北省信贷机制升级，降低银行和金融机构的信贷风险有着重大意义。本文以利率市场化为背景，对河北省高新企业信贷风险问题进行研究，首先概括总结了高新企业信贷风险方面的相关概念和主要理论，分析和论述了我国高新企业信贷的基本现状，然后指出我国高新企业信贷中面临的主要问题，应用专家法和层次分析法建立并完善河北省高新企业信贷风险中的信用评价体系。进而，构建模糊综合评价模型并以河北省十五家高新企业情况为参照，对河北省一高新企业进行实证研究和分析。最后着重分析了利率市场化条件下，银行在高新企业信贷风险方面的防范对策。
[Abstract]:At present, high-tech enterprises have become an important force in promoting the transformation of the mode of economic development and upgrading of the industrial structure, and have played a strategic leading role in the national economy. It brings new opportunities for hi-tech enterprises credit in Hebei Province, and also brings new problems to the credit risk control and prevention of hi-tech enterprises in Hebei Province. There is no specialized and targeted credit rating system in the credit process of hi-tech enterprises. It is extremely unreasonable to evaluate the credit risk of high-tech enterprises. Based on the development of interest rate marketization and the characteristics of high-tech enterprises, the credit risk of high-tech enterprises in Hebei Province is studied. The establishment of a comprehensive and scientific credit risk evaluation index system for high-tech enterprises is to enhance the social awareness of high-tech enterprises and deepen the credit mechanism of high-tech enterprises under the condition of marketization of interest rates. It is of great significance to promote the healthy and orderly development of high-tech enterprises in Hebei Province, to promote the upgrading of credit mechanism in Hebei Province, and to reduce the credit risk of banks and financial institutions. Based on the background of interest rate marketization, this paper studies the credit risk of high-tech enterprises in Hebei Province, and summarizes the related concepts and main theories of credit risk of high-tech enterprises. This paper analyzes and discusses the basic status quo of high-tech enterprise credit in China, and then points out the main problems faced by high-tech enterprise credit in China. Applying expert method and analytic hierarchy process to establish and perfect credit evaluation system of high and new enterprises in Hebei province. Furthermore, a fuzzy comprehensive evaluation model is constructed and the situation of 15 high-tech enterprises in Hebei Province is taken as a reference. This paper makes an empirical study and analysis on a high-tech enterprise in Hebei Province. Finally, it analyzes the countermeasures of the bank in the aspect of credit risk of high-tech enterprise under the condition of marketization of interest rate.
【学位授予单位】：河北科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4;F276.44

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