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论文编号：	5909
作者编号：	2120112876
上传时间：	2013/12/6 13:09:43
中文题目：	基于调查问卷的小企业贷款信用风险评估研究
英文题目：	Research on credit risk survey of small business loans assessment based on Questionnaire
指导老师：	黄福广
中文关键字：	小企业，信用风险，评估模型，调查问卷
英文关键字：	small business, credit risk, assessment model, the questionnaire
中文摘要：	随着我国市场经济的不断发展，小企业在促进国民经济增长、推动技术创新、提高社会就业率等方面发挥着越来越重要的作用，中央和各级地方政府对小企业的关注度和重视度越来越高，出台了一些鼓励和扶持小企业发展的政策。然而小企业的发展仍面临诸多困境，处于一个“强位弱势”的状态。多数的专家和学者认为贷款难是小企业最大的瓶颈，而造成小企业贷款难的根本原因在于信息不对称。小企业由于自身经营管理的不规范而普遍存在严重的信息不对称，这就导致银行难以对小企业贷款的信用风险做出准确的评估，最终形成银行对小企业“惜贷”、“拒贷”的现状。 本文将从商业银行的视角，研究和探索适用于小企业贷款信用风险评估的方法，以提高银行对小企业贷款信用风险的管控能力，增强银行对小企业的放款意愿，从而不仅解决小企业融资难的问题，同时为银行创造新的收益来源。文章围绕如何选取适合小企业信用风险的评估指标和评估模型，通过回顾国内外相关领域的研究成果，在仔细分析小企业的经营特征、贷款特征及信用风险特征的基础上，采用专家意见法，以调查问卷的方式征集金融领域专家和学者关于小企业信用风险评估因素与评估指标重要程度的意见，并运用描述性统计分析方法，以指标得分的均值和标准差为依据筛选出最终的评估指标，然后采取主观赋权法和客观赋权法相结合的方式确定各指标的权重，进而得到评估模型。最后，挑选某商业银行实际授信业务中的一个小企业作为案例，检验模型的评估效果并得出最终的研究结论。
英文摘要：	With the continuous development of China's market economy, small enterprises in promoting economic growth, promoting technological innovation, improve the social employment rate has played an increasingly important role, the central and local governments on small business focus and attention getting higher and higher, to encourage and support the introduction of a number of small business development policies. However, the development of small enterprises are still facing many difficulties, in a Strong bit weak state. Most experts and scholars believe that the difficulty in obtaining loans for small businesses the biggest bottleneck, resulting in small business loans fundamental reason lies in the difficulty of asymmetric information. Because of its small business management is not standardized and widespread serious information asymmetry, which leads to difficult for banks to loan to small businesses to make an accurate assessment of the credit risk, and ultimately the formation of banks to small businesses, Credit crunch, Refused credit the status quo. This article from the perspective of commercial banks, research and exploration for small business loans credit risk assessment methods to increase bank lending to small business credit risk management and control, and enhance bank lending to small businesses will, thereby not only solved the Small Business Financing difficult problem, as well as banks create new revenue sources. Article on how to choose a suitable small business credit risk assessment indicators and assessment models by reviewing the related areas of research, careful analysis of the operating characteristics of small businesses, loans and credit risk characteristics and characteristics based on the use of expert opinion method, way of a questionnaire collecting financial sector experts and scholars on the small business credit risk assessment criteria and evaluation indicators for the views of the degree of importance and use descriptive statistical analysis methods to index score is based on the mean and standard deviation of the final screening assessment indicators and then take the subjective weighting method and objective way of determining empowerment combination weight of each index, and then get evaluation model. Finally, the selection of a commercial bank credit business in a real small business as a case to test the model's assessment results and draw final conclusions.
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