本文選題：信用風(fēng)險(xiǎn) + 信用評(píng)價(jià)��； 參考：《青島大學(xué)》2017年碩士論文

【摘要】：小企業(yè)已經(jīng)成為我國(guó)市場(chǎng)經(jīng)濟(jì)發(fā)展中不可忽視的重要因素,然而小企業(yè)融資難成為制約小企業(yè)發(fā)展的瓶頸。資金是小企業(yè)發(fā)展的血脈,由于小企業(yè)財(cái)務(wù)信息不健全,抗風(fēng)險(xiǎn)能力較差,使得小企業(yè)融資比較困難。本研究通過(guò)考察小企業(yè)的還款能力和還款意愿對(duì)小企業(yè)信用情況進(jìn)行準(zhǔn)確判定,為銀行貸款發(fā)放和貸款定價(jià)提供重要依據(jù)。本論文共分五章。第一章分析了論文的選題背景、國(guó)內(nèi)外研究進(jìn)展、研究方法、研究的技術(shù)路線。第二章信用評(píng)級(jí)理論。第三章構(gòu)建小企業(yè)信用評(píng)級(jí)指標(biāo)體系。第四建立小企業(yè)信用評(píng)級(jí)模型。第五章建立小企業(yè)信用評(píng)級(jí)劃分標(biāo)準(zhǔn)。第六章為結(jié)論與展望。論文的主要工作如下:(1)通過(guò)定性和定量相結(jié)合的方法構(gòu)建小企業(yè)信用評(píng)級(jí)指標(biāo)體系。借鑒權(quán)威機(jī)構(gòu)評(píng)級(jí)指標(biāo)和先進(jìn)銀行實(shí)踐經(jīng)驗(yàn)以及經(jīng)典學(xué)術(shù)成果,確定海選信用評(píng)價(jià)指標(biāo)集。通過(guò)專(zhuān)家知識(shí)經(jīng)驗(yàn)和篩選原則對(duì)海選指標(biāo)進(jìn)行簡(jiǎn)化,并借助定量評(píng)級(jí)指標(biāo)之間的相關(guān)關(guān)系篩選出信息含量高的指標(biāo),構(gòu)建小企業(yè)信用評(píng)級(jí)指標(biāo)體系,確保評(píng)級(jí)結(jié)果準(zhǔn)確性。(2)小企業(yè)信用評(píng)級(jí)模型。對(duì)正向、負(fù)向的評(píng)價(jià)指標(biāo)進(jìn)行標(biāo)準(zhǔn)化消除指標(biāo)的量綱,通過(guò)對(duì)主觀賦權(quán)法和客觀賦權(quán)法得到的評(píng)級(jí)指標(biāo)的權(quán)重進(jìn)行組合賦權(quán),建立了小企業(yè)信用評(píng)級(jí)模型,確保評(píng)級(jí)結(jié)果能夠充分反映專(zhuān)家知識(shí)經(jīng)驗(yàn),又能實(shí)現(xiàn)對(duì)小企業(yè)財(cái)務(wù)數(shù)據(jù)真實(shí)信息客戶的信用狀況進(jìn)行評(píng)價(jià)。(3)建立小企業(yè)信用評(píng)級(jí)標(biāo)準(zhǔn)。利用專(zhuān)家經(jīng)驗(yàn)確評(píng)級(jí)結(jié)果的離散程度,將小企業(yè)信用等級(jí)劃分為9個(gè)等級(jí),并依據(jù)大數(shù)定律給出不同級(jí)別的累計(jì)概率,并依據(jù)累計(jì)概率和800個(gè)小企業(yè)評(píng)級(jí)結(jié)果得分,制定小企業(yè)信用評(píng)級(jí)標(biāo)準(zhǔn),實(shí)現(xiàn)小企業(yè)客戶真實(shí)的信用風(fēng)險(xiǎn)大小排序。
[Abstract]:Small enterprises have become an important factor that can not be ignored in the development of market economy in our country. However, the difficulty of financing small enterprises has become the bottleneck restricting the development of small enterprises. Capital is the blood of the development of small enterprises. Because the financial information of small enterprises is not perfect and the ability to resist risks is poor, it is difficult for small enterprises to raise funds. By investigating the repayment ability and repayment willingness of small enterprises, this study makes an accurate judgment on the credit situation of small enterprises, which provides important basis for bank loan issuance and loan pricing. This thesis is divided into five chapters. The first chapter analyzes the background, research progress, research methods and technical route of the thesis. The second chapter is credit rating theory. The third chapter constructs the small enterprise credit rating index system. Fourth, the establishment of small business credit rating model. Chapter five establishes the standard of credit rating of small enterprises. Chapter six is the conclusion and prospect. The main work of this paper is as follows: (1) A credit rating index system for small enterprises is constructed by combining qualitative and quantitative methods. For reference of the rating index of authoritative institution, the practical experience of advanced bank and the classical academic achievement, the evaluation index set of audition credit is determined. Through expert knowledge, experience and screening principle, the selection index is simplified, and the index with high information content is screened by the correlation between quantitative rating indexes, and the credit rating index system of small enterprises is constructed. Ensure the accuracy of rating results. 2) small business credit rating model. The dimension of the index is eliminated by standardizing the positive and negative evaluation indexes, and the credit rating model of small enterprises is established by combining the weights of the rating indexes obtained by the subjective and objective weighting methods. To ensure that the rating results can fully reflect the expert knowledge and experience, and to realize the evaluation of the credit status of the clients of the real information of financial data of small enterprises. 3) to establish the credit rating standards of small enterprises. The credit rating of small enterprises is divided into 9 grades by the discrete degree of expert experience, and the accumulative probability of different grades is given according to the law of large numbers, and the cumulative probability and the score of 800 small enterprises are obtained according to the cumulative probability and the result of rating of 800 small enterprises. To establish credit rating standards for small enterprises, to achieve the size of the real credit risk ranking of small business customers.
【學(xué)位授予單位】：青島大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F832.4;F275

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