本文選題：小微企業(yè) + 信息不對(duì)稱�。� 參考：《上海交通大學(xué)》2013年碩士論文

【摘要】：小微企業(yè)在我國(guó)經(jīng)濟(jì)中發(fā)揮著重要的作用，從貢獻(xiàn)稅收收入到解決就業(yè)問題等等，然而小微企業(yè)融資問題一直是制約中小企業(yè)發(fā)展的難題。 本文以泰隆銀行為案例，研究分析在解決小微企業(yè)融資中信息不對(duì)稱問題中，小微金融機(jī)構(gòu)以組織結(jié)構(gòu)上的優(yōu)勢(shì)，以及以社區(qū)化經(jīng)營(yíng)模式，通過關(guān)系型貸款解決信息不對(duì)稱問題，從而解決中小企業(yè)融資難的實(shí)踐經(jīng)驗(yàn)。 此外，對(duì)于銀行及小微金融機(jī)構(gòu)貸款業(yè)務(wù)，風(fēng)險(xiǎn)控制是金融機(jī)構(gòu)可持續(xù)運(yùn)營(yíng)的關(guān)鍵，本文以泰隆銀行為樣本，，采用了銀行真實(shí)貸款違約數(shù)據(jù)庫(kù)中的大量一手?jǐn)?shù)據(jù)，驗(yàn)證了在關(guān)系型貸款中采用信用評(píng)分機(jī)制的可行性，實(shí)證結(jié)果顯示，信用評(píng)分機(jī)制在預(yù)測(cè)貸款違約上具有一定的可行性，從而證實(shí)了關(guān)系型貸款在一定程度上解決了信息不對(duì)稱問題，金融機(jī)構(gòu)通過社區(qū)化經(jīng)營(yíng)，長(zhǎng)期與客戶保持緊密聯(lián)系，獲取軟信息，能夠有效的提高風(fēng)險(xiǎn)控制能力。 本文的案例實(shí)踐研究以及實(shí)證研究為其它金融機(jī)構(gòu)發(fā)展小額貸款，控制風(fēng)險(xiǎn)提供了參考依據(jù)。
[Abstract]:Small and micro enterprises play an important role in our country's economy, from contributing to tax revenue to solving the problem of employment. However, the financing problem of small and micro enterprises has been a difficult problem that restricts the development of small and medium-sized enterprises.
This paper, taking the Bank of Tai long as a case, studies and analyzes the practical experience of solving the problem of information asymmetry in small and micro enterprises in solving the problem of information asymmetry in the small and micro enterprises, and to solve the problem of information asymmetry through the relationship type loan, and to solve the difficulty of financing in small and medium-sized enterprises.
In addition, for banks and small and micro financial institutions loan business, risk control is the key to the sustainable operation of the financial institutions. This paper takes a sample of the bank as a sample, uses a large number of data in the bank's real loan default database, verifies the feasibility of adopting credit scoring mechanism in the relationship type loan. The empirical results show that the credit rating is evaluated. The sub mechanism has a certain feasibility in predicting the default of the loan, which confirms that the relational loan has solved the problem of information asymmetry to a certain extent. The financial institutions can maintain close contact with the customers and obtain soft information through community-based management, and can effectively improve the control ability of the risk of wind insurance.
The case study and empirical research provide reference for other financial institutions to develop small loans and control risks.

【學(xué)位授予單位】：上海交通大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4

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