风险投资项目评价与银行贷款项目评价的比较研究

发布时间：2018-05-19 06:55

本文选题：风险投资 + 银行贷款　；参考：《浙江大学》2013年硕士论文

【摘要】：为响应国家对银行提出的服务实体经济、支持中小企业成长的号召,破解战略性新兴产业中小企业的银行融资难困境,本文通过对创业板某上市公司的风险投资项目评价案例分析以及三家银行的小企业贷款项目评价体系的比较研究,总结了风险投资和银行贷款的项目评价偏好和差异。本文的实证分析将创办板已上市且有风险投资入股的企业分为有银行贷款和无银行贷款两类企业,运用SPSS统计分析软件对21个指标进行配对样本T检验和相关性检验,最后选取11个指标进行二元Logistic回归分析,得出7项判别企业有无银行贷款有效的指标。实证分析很好地揭示了现行的银行贷款项目评价体系关注的指标,验证了本文的假设和比较研究结果,为提出银行战略性新兴产业中小企业贷款项目评价体系的改进建议提供了理论基础。本文最终给出了银行战略性新兴产业中小企业贷款项目评价体系的改进建议,并分析了本次研究的不足之处,展望了未来的研究方向。本文的主要创新点：1)本文首次将风险投资项目评价体系与银行贷款项目评价体系进行比较研究。2)本文首次运用有风险投资入股的创业板上市企业进行有无银行贷款的配对分析。3)本文的实证分析引入了无形资产指标。4)本文根据比较研究和实证分析的结果,从历史沿革、企业家素质、行业、技术水平、经营模式及财务数据6方面给出了银行战略性新兴产业中小企业贷款项目评价的改进建议。
[Abstract]:In response to the call made by the state to the banks to serve the real economy, to support the growth of small and medium-sized enterprises, and to solve the financing difficulties of small and medium-sized enterprises in strategic emerging industries, Through the case analysis of venture capital project evaluation of a listed company in gem and the comparative study of the evaluation system of small enterprise loan project in three banks, this paper summarizes the preference and difference of venture capital project evaluation and bank loan project evaluation. The empirical analysis of this paper divides the listed enterprises with venture capital into two types: bank loan and non-bank loan. Using SPSS statistical analysis software, 21 indicators are tested by paired sample T test and correlation test. Finally, 11 indexes are selected for binary Logistic regression analysis, and 7 indexes are obtained to judge the validity of bank loans. The empirical analysis reveals the indicators concerned by the current evaluation system of bank loan projects and verifies the hypotheses and comparative research results of this paper. It provides a theoretical basis for the improvement of loan evaluation system of small and medium-sized enterprises in strategic emerging industries of banks. This paper finally gives some suggestions to improve the evaluation system of SME loan projects in the strategic emerging industries of banks, analyzes the shortcomings of this study, and looks forward to the future research direction. The main innovation of this paper is: 1) this paper makes the first comparative study of venture capital project evaluation system and bank loan project evaluation system. The empirical analysis of this paper introduces the intangible assets index. 4) according to the results of comparative research and empirical analysis, From the historical evolution, entrepreneur quality, industry, technical level, business model and financial data, this paper gives some suggestions for improving the loan project evaluation of small and medium-sized enterprises in strategic emerging industries of banks.
【学位授予单位】：浙江大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.48;F832.51

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