本文關(guān)鍵詞：基于因子分析法的商業(yè)銀行對(duì)中小企業(yè)信用評(píng)級(jí)研究　出處：《哈爾濱理工大學(xué)》2014年碩士論文　論文類(lèi)型：學(xué)位論文

  更多相關(guān)文章： 商業(yè)銀行 信用評(píng)級(jí) 因子分析

【摘要】：商業(yè)銀行對(duì)中小企業(yè)的信用評(píng)級(jí)不僅對(duì)商業(yè)銀行能否準(zhǔn)確的判斷出企業(yè)的資信狀況起著重要的作用，對(duì)中小企業(yè)的發(fā)展也尤為重要。一套完整地、可信的中小企業(yè)信用評(píng)級(jí)是商業(yè)銀行給予貸前的重要參考依據(jù)。而現(xiàn)階段我國(guó)缺少一套適合于我國(guó)中小企業(yè)信用評(píng)級(jí)的理論方法，這也限制了我國(guó)中小企業(yè)的發(fā)展速度和規(guī)模。所以，，建立一套科學(xué)的、可行的中小企業(yè)信用評(píng)級(jí)指標(biāo)體系和模型已經(jīng)成為迫在眉睫的事情。目前，中小企業(yè)在我國(guó)經(jīng)濟(jì)發(fā)展中起主導(dǎo)地位，介于已有的信用評(píng)級(jí)體系，建立完善的適用于中小企業(yè)信用評(píng)級(jí)指標(biāo)和評(píng)級(jí)模型。 本文從中小企業(yè)和信用評(píng)級(jí)的理論基礎(chǔ)為著眼點(diǎn)，通過(guò)對(duì)比國(guó)外的研究現(xiàn)狀和對(duì)我國(guó)中小企業(yè)的現(xiàn)狀的闡述，對(duì)比出我國(guó)中小企業(yè)信用評(píng)級(jí)中存在的問(wèn)題和不足之處，借鑒國(guó)外已有的理論基礎(chǔ)以及從我國(guó)中小企業(yè)的實(shí)際出發(fā)，通過(guò)財(cái)務(wù)指標(biāo)和非財(cái)務(wù)指標(biāo)，運(yùn)用因子分析法來(lái)對(duì)中小企業(yè)做出信用等級(jí)的評(píng)定。首先利用因子分析法確定出因子變量，運(yùn)用功效系數(shù)法來(lái)算出因子變量的得分。對(duì)中小企業(yè)做出信用等級(jí)的評(píng)價(jià)，再根據(jù)實(shí)際情況運(yùn)用模糊推翻對(duì)信用等級(jí)進(jìn)一步驗(yàn)證。最后選取了一家食品有限公司進(jìn)行實(shí)例分析，最終的評(píng)級(jí)結(jié)果與其他機(jī)構(gòu)對(duì)該企業(yè)的評(píng)級(jí)結(jié)果基本一致，這說(shuō)明了因子分析法對(duì)于中小企業(yè)信用評(píng)級(jí)具有較強(qiáng)的適用性，能夠全面、客觀(guān)的反映企業(yè)的信用狀況
[Abstract]:The credit rating of commercial banks to small and medium-sized enterprises not only plays an important role in judging the credit status of enterprises accurately, but also plays an important role in the development of small and medium-sized enterprises. Credible credit rating of small and medium-sized enterprises is an important reference basis for commercial banks before lending, but at this stage, there is a lack of a set of theoretical methods suitable for the credit rating of small and medium-sized enterprises in China. This also limits the speed and scale of the development of small and medium-sized enterprises in China. Therefore, it is urgent to establish a set of scientific and feasible credit rating index system and model for small and medium-sized enterprises. Small and medium-sized enterprises (SMEs) play a leading role in the economic development of our country, between the existing credit rating system, the establishment of perfect credit rating index and rating model suitable for small and medium-sized enterprises. This paper focuses on the theoretical basis of SMEs and credit rating, through the comparison of foreign research status and the status quo of SMEs in China. Compare the problems and deficiencies in the credit rating of small and medium-sized enterprises in China, draw lessons from the existing theoretical basis of foreign countries and from the actual situation of small and medium-sized enterprises in China, through financial indicators and non-financial indicators. Factor analysis is used to evaluate the credit rating of small and medium-sized enterprises. Firstly, factor variables are determined by factor analysis. The efficiency coefficient method is used to calculate the score of factor variables. The credit rating of small and medium-sized enterprises is evaluated. Finally, a food limited company is selected to carry on the case analysis, the final rating result is basically consistent with the result of other agencies' rating on the enterprise. This shows that the factor analysis method has a strong applicability to the credit rating of small and medium-sized enterprises, and can reflect the credit status of the enterprises comprehensively and objectively.
【學(xué)位授予單位】：哈爾濱理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F275;F832.4;F224

【引證文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前2條

1 陳曉;A公司信用狀況調(diào)研報(bào)告[D];河北經(jīng)貿(mào)大學(xué);2015年

2 樊淑一;小微企業(yè)信用風(fēng)險(xiǎn)評(píng)估研究[D];鄭州大學(xué);2014年

本文編號(hào)：1372509