现有商业银行贷款模式对大学生创业的影响及其利弊分析.DOC

大学生科研创新项目研究报告 项目名称： 大学生创业贷款模式创新研究 项目类型： 重点项目 项目年度： 2011年 项目负责人： 陆帅（学号：32010112327） 负责人院（系）： 金融学院 专业（方向）： 金融学（金融投资） 项目组成员： 石昊天、邓瑞文、李朗、许来 指导教师： 谢太峰 正教授 教务处 制 二〇一二年 摘要 大学生就业问题越来越多地受到社会的广泛关注，其中，一部分大学生在毕业之后自主创业的选择成为解决这一问题的一条新途径。但这条道路阻力重重，其中障碍之一便是难以得到有力的贷款支持，虽然有专门针对大学生的创业贷款，但项目本身依然不符合大学生创业的特点，无法满足实际需求。我们从以上角度探寻解决大学生创业贷款难问题的新方法，对于现有的贷款模式进行深入分析。另一方面，鉴于小额贷款自身转贷比过低以及对创业针对性较差的不足，也使得设计一种新型的贷款模式变得尤为必要。经过我们的研究改进，从宏观和微观两个方面进行了改进。在宏观政策层面上，创业贷款提高了转贷比，增强了针对性，更为贴近了大学生创业的资金需求。在微观技术层面上，我们建立了以软集合理论为核心的数学模型，将创业小额贷款与风险投资相结合，进行风险评估，有效地确定风险系数，筛选贷款人，在合理有效控制风险的基础之上尽可能提供更多的贷款，充分缓解资金紧张的难题。 关键词：创业贷款、模糊软集合理论、风险评估模型 Abstract the situation of job market towards the undergraduates has become more and more severe, catching all the citizens’ attentions. The way, which some of the college students choose after their graduations, matters a lot and probably can provide a solution to the job market problems. However, the resistance on the road is also tremendous. One of such obstacles is the difficulty of getting the business set-up loan. Although there are some kinds of special business set-up loans for undergraduates, the items themselves are not suitable for the college students who intend to start business after graduating, and also such measures cannot fulfill the actual demand of the undergraduates.After figuring out these circumstances from the related authorities, we intent to address such problems by finding out a new idea of providing the undergraduates the set-up loans. On the one hand, we deeply analyze the mode of the current business set-up loans for the college students to seek the shining points in such method. On the other hand, given that the small amount business set-up loans are not so fit for the undergraduates, it is necessary to design a new method of such loans.After searching the related information and analyses, we find that setting up business has become a first choice of many college students nowadays after graduations and its status has become more and more