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  本文選題：信用融資　切入點：中小外貿(mào)企業(yè)　出處：《南京理工大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：本文基于現(xiàn)代信用風(fēng)險管理理論,在綜合回顧國外和國內(nèi)現(xiàn)有文獻的基礎(chǔ)上,通過對信用風(fēng)險傳染、及其對中小外貿(mào)企業(yè)信用融資影響的基本認識,系統(tǒng)地討論了信用風(fēng)險的傳染以及對中國中小外貿(mào)企業(yè)信用融資的影響,并通過建立面板數(shù)據(jù)回歸模型對之進行了相應(yīng)的實證研究。 文章共分六章,第一章主要介紹了文章的研究背景和意義,概述文章結(jié)構(gòu)。第二章對本文涉及到的有關(guān)概念進行界定,總結(jié)國內(nèi)外現(xiàn)有的研究現(xiàn)狀。第三章在理論上分析了信用風(fēng)險的成因及傳染渠道。第四章對信用風(fēng)險傳染與中小外貿(mào)企業(yè)信用融資的關(guān)系進行詳細研究。第五章通過實證研究來分析在信用風(fēng)險傳染背景下,各因素對中小外貿(mào)企業(yè)信用融資的影響。第六章是本文的結(jié)論和對策建議。 本文通過研究發(fā)現(xiàn)：信用風(fēng)險傳染不同時期,信用風(fēng)險與中小外貿(mào)企業(yè)信用融資成負相關(guān)；中小外貿(mào)企業(yè)信用供給與其信用融資成正相關(guān)。企業(yè)規(guī)模與商業(yè)信用融資呈正相關(guān),但是在信用風(fēng)險傳染中前期銀行信用融資與企業(yè)規(guī)模負相關(guān),在中后期卻是正相關(guān)；企業(yè)財務(wù)狀況的各指標(biāo)總的來說對企業(yè)商業(yè)信用融資有顯著影響,但對銀行信用融資影響卻不顯著；實際有效利率對商業(yè)信用融資影響不顯著,但與銀行信用融資顯著正相關(guān)；匯率與商業(yè)信用融資有顯著正向關(guān)系,對銀行信用的影響不顯著。最后,在理論和實證分析的基礎(chǔ)上,提出改善中小外貿(mào)企業(yè)信用融資的相關(guān)對策建議。
[Abstract]:Based on the theory of modern credit risk management and the comprehensive review of the existing foreign and domestic literature, this paper makes a basic understanding of the contagion of credit risk and its influence on the credit financing of small and medium-sized foreign trade enterprises. This paper systematically discusses the contagion of credit risk and its influence on the credit financing of small and medium-sized foreign trade enterprises in China, and carries on the corresponding empirical research through the establishment of panel data regression model. This paper is divided into six chapters. The first chapter mainly introduces the research background and significance of the article, summarizes the structure of the article. Chapter 3 theoretically analyzes the causes and channels of credit risk. Chapter 4th makes a detailed study on the relationship between credit risk contagion and credit financing of small and medium-sized foreign trade enterprises. Chapter 5th. Under the background of credit risk contagion, Chapter 6th is the conclusion and suggestion of this paper. In this paper, we find that the credit risk is negatively correlated with the credit financing of small and medium-sized foreign trade enterprises in different periods of credit risk contagion; The credit supply of small and medium-sized foreign trade enterprises is positively related to their credit financing. The scale of enterprises is positively correlated with commercial credit financing, but the credit financing of banks is negatively correlated with the scale of enterprises in the middle and early stages of credit risk contagion, but it is positively correlated in the middle and late stages. On the whole, each index of enterprise financial situation has significant influence on business credit financing, but it has no significant effect on bank credit financing, the real effective interest rate has no significant effect on commercial credit financing, but it is positively related to bank credit financing. There is a significant positive relationship between the exchange rate and commercial credit financing, but the impact on bank credit is not significant. Finally, on the basis of theoretical and empirical analysis, the paper puts forward the relevant countermeasures and suggestions to improve the credit financing of small and medium-sized foreign trade enterprises.
【學(xué)位授予單位】：南京理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F276.3;F832.4

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