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论文编号：	10453
作者编号：	2120163084
上传时间：	2018/12/6 15:33:10
中文题目：	中小企业信用评级体系构建研究——以天津区域性股权市场中小企业为例
英文题目：	Research on the Construction of SMEs’ Credit Rating System——Take Tianjin Regional Equity Market ’s SMEs as An Example
指导老师：	张晓农
中文关键字：	中小企业；信用评级；指标体系；区域性股权交易市场
英文关键字：	SME; credit rating; index system; regional equity trading market
中文摘要：	中小企业在推动国民经济增长、缓解就业压力、优化经济结构等方面扮演越来越重要的作用，推动中小企业的发展，解决中小企业发展中融资难的问题成为当前我国一项刻不容缓的任务。为解决中小企业的融资问题，国家从战略层面打造多层次资本市场体系，推出区域性股权交易市场，促进企业实现直接融资。但是基于中小企业自身的特点，其信息披露不规范，信息不对称，因而现有的评级体系很少用于中小企业，企业自身也较少有这样的意识，导致区域性股权交易市场在为其实现融资方面取得的成效还不明显。本文在分析中小企业的特征以及我国区域性股权交易市场发展情况、天津区域性股权交易市场中小企业融资现状的基础上，对中小企业融资存在的问题进行分析，提出对区域性股权市场内股改挂牌的中小企业设计符合其特点的信用评级，存在着一定的可操作性。因此，本文研究适用于区域性股权市场内股改挂牌的中小企业的信用评级体系，最后的落脚点是在天津区域性股权市场股改挂牌的中小企业。随后本文针对我国信用体系的现状，结合区域性股权交易市场中小企业的特点建立了相应的信用评级指标体系。通过定性与定量相结合的方法构建了评价区域性股权交易市场中小企业的信用的工具。提出了解决中小企业融资的办法，即使以政府、社会和企业为主体三个层面的信用治理体系得以完善。为验证评级指标体系的有效性，通过天津滨海柜台交易市场股份公司的两个案例进行举例，所构建的信用评级体系能较好的应用于区域性股权交易市场中小企业的信用评级。最后得出全文的研究结果，指出本文需进一步完善的地方，并对政府、区域性股权交易市场及中小企业提出了相应的建议。
英文摘要：	SMEs played a more and more significant role in promoting national economic growth, relieving the pressure of employment and optimizing the economic structure. It is an urgent task in China to promote the development of SMEs and solve the problem of financing difficulties in the development of SMEs. In order to solve the financing problem of SMEs, the state has created a multi-level capital market system from the strategic level, launched a regional equity trading market, in order to promote direct financing for enterprises. Based on the analysis of the characteristics of SMEs, the development of China's regional equity trading market and the financing situation of SMEs in Tianjin regional equity trading market, this paper summarizes and evaluates the financing problems of SMEs. Then it puts forward that the design of credit rating for SMEs listed in regional equity market is feasible. On the basis of analyzing the characteristics of SMEs and the development of regional equity trading market in China and the financing status of SMEs in Tianjin regional equity market, this paper analyzes the existing problems of SMEs' financing, and puts forward the necessity of building a credit rating system for SMEs in the regional stock market. Therefore, this paper studies the credit rating system suitable for SMEs listed in the regional equity market. The final foothold is the SMEs listed in the regional equity market in Tianjin. Then, based on the current situation of China's credit system, this paper sets up a corresponding credit rating index system based on the characteristics of the SMEs in the regional equity market. By combining the qualitative and quantitative methods, the paper constructs the credit tools for the evaluation of SMEs in the regional equity market. The way to solve the financing problem of SMEs is proposed, that is, to perfect the credit management system based on three levels: government, society and enterprises. To illustrate the effectiveness of the rating index system, through two cases of Tianjin Binhai Counter Trading Market Inc., the credit rating system can be better applied to the credit rating of SMEs in the regional equity market. Finally, the paper draws the conclusion of the full text, points out the need for further improvement, and puts forward corresponding suggestions to the government, regional equity trading market and SMEs.
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