中小企業信用评级研究本科生毕业专业论文.docVIP

题目： 中小企业信用评级研究 中小企业信用评级研究 摘 要 中小企业在发展过程中遭遇的最棘手问题是资金短缺、融资难、贷款难，中小企业信用评级缺失导致了该问题。中小企业已是十分重要的市场主体之一，完善中小企业信用评级建设有助于维持金融系统的稳健运行，降低金融系统的风险，提升市场经济的运行效率。因此，探讨构建符合国情的中小企业信用评级体系，对积极推进中小企业融资难问题的有效解决，充分利用信用信息“服务政府、辅助银行、助推企业”有重要意义。本文采用规范分析与实证分析相结合，探讨企业的信用等级与企业融资成本的关系，指出中小企业信用等级不佳是当前中小企业融资难、融资成本高的根源，为此，解决中小企业融资难的关键是加快中小企业信用评级体系建设。明确政府、社会、中小企业在中小企业信用体系建设过程中的角色，进一步阐述中小企业信用评级建设的必要性、原则。在已有中小企业信用评级研究的基础上完善中小企业信用评级指标并用它对相关企业的信用风险进行评估。在前述的基础上提出建设中小企业信用评级体系的过程中要完善以政府为主体的中小企业宏观管理制度，完善以社会信用评级主体的行业管理体系和完善以中小企业为主体的内部信用管理体系的建议。 关键词 中小企业 融资难 中小企业信用评级 Small and medium-sized enterprise credit rating research ABSTRACT In the process of small and medium-sized enterprises, development, the toughest problem is fund shortage, financing difficulty, loan difficulty. Imperfection of credit rating results this problem. SMEs have been one of the important market entities, perfecting SMEs credit rating can help to maintain sound operation of financial system and reduce risks of financial system ,to improve operation efficiency of market economy. exploring and constitution a credit rating system with the situation of china acts as very important role in actively promoting effective solution of financing difficulty, fully using credit information serves the governments, assists the banks, boosts the enterprises. This paper uses normative and empirical methods analyze the relationship between credit rating and finance cost of enterprise, and pointing out imperfection of SMEs, credit rating is basic reason of its financing difficulty and high financing cost .Thus, the keyness to solve SMEs, financing difficulty is acceleration the construction of SMEs, credit rating system. Elaborating the respective role of governments, enterprises and society in building and perfecting the credit system, further explaining the necessity、principle of credit system construction, perfecting credit rating indexes based on the research of small and medium-sized credit rating and applying them to evaluate cr