小微企業(yè)信用評價體系建設(shè)

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摘要 近年來，我國的經(jīng)濟體制改革使中小企業(yè)獲得了巨大的發(fā)展。中小企業(yè)已經(jīng)成為我國經(jīng)濟社會發(fā)展中不可或缺的重要組成部分。他們不僅在擴大出口，增加地方財政收入等方面發(fā)揮了重要的作用，更重要的是在提供就業(yè)機會，創(chuàng)造社會財富等方面有著極其重要的作用。
眾所周知，現(xiàn)代市場經(jīng)濟已經(jīng)逐漸發(fā)展成為信用經(jīng)濟。企業(yè)信用是最基礎(chǔ)的信用形式。而當(dāng)前企業(yè)信用的缺失已成為信用經(jīng)濟健康發(fā)展的一大阻力。尤其是中小企業(yè)由于自身的一些先天缺陷及外在環(huán)境等因素，使得信用缺失更加嚴重，嚴重影響了中小企業(yè)的整體生存發(fā)展環(huán)境。其原因從兩個角度來分析，一是中小企業(yè)生存的外部信用環(huán)境較差，促進中小企業(yè)發(fā)展的信用體系尚不完善；二是中小企業(yè)自身信用程度較低。
本文首先通過國內(nèi)外文獻了解小微企業(yè)信用評價體系的現(xiàn)狀，初步了解造成小微企業(yè)融資困難的原因。然后從小微企業(yè)的自身特點、中間擔(dān)保制度存在的缺陷、銀行及其他金融機構(gòu)的三個方面進行原因的探索。在完成原因分析之后，本文將嘗試建立一個基于云服務(wù)平臺的小微企業(yè)信用評價體系，這個體系將包括四大方面的信用評價，分別是：企業(yè)數(shù)據(jù)、歷史情況、行業(yè)地位、未來發(fā)展。本文希望借由這個信用評價體系，能夠解決小微企業(yè)融資困難的現(xiàn)狀。
關(guān)鍵詞：小微企業(yè) 信用評價 企業(yè)信用



Abstract In recent years, China's economic reform so that SMEs was a great development. SMEs in China's economic and social development has become an important part of the integral . They not only expand exports , increase local revenue has played an important role , more importantly in providing employment opportunities to create social wealth , and so has an extremely important role .
As we all know, the modern market economy has gradually developed into a credit economy. Corporate credit is the most basic form of credit. The current lack of business credit has become a major drag Credit healthy economic development. Especially SMEs, due to a number of birth defects and their external environment and other factors, making the lack of credit is more serious, serious impact on overall survival and development environment for SMEs. The reason for this analysis from two angles, one external credit environment for SMEs to survive the poor, and promote the development of SMEs credit system is not perfect; Second, the lower the credit rating of the SME itself.
Firstly, understand the status of small and micro enterprise credit eva luation system through literature, a preliminary understanding of the causes of the financing difficulties of small and micro enterprises. Then three small micro-enterprise with its own characteristics, intermediate defects guarantee system, banks and other financial institutions to explore the reasons. After completing the analysis of the causes of this article will attempt to create a cloud-based service platform for small and micro enterprise credit eva luation system, the system will include the credit rating of the four aspects, namely: enterprise data, history, industry status and future development. This article hopes that by the credit eva luation system, to solve the financing difficulties of small and micro enterprises the status quo.
Keywords : Small and micro enterprise Credit eva luation Business credit


目錄
第一章 緒論 1
1.1 基于云服務(wù)平臺的小微企業(yè)信用體系研究 1
1.1.1 背景介紹 1
1.1.2 研究的目的和意義 1
1.2 小微企業(yè)信用評價體系現(xiàn)狀概述 2
1.2.1 國外小微企業(yè)融資信用體系 2
1.2.2 國內(nèi)小微企業(yè)融資信用體系 3
1.3 小結(jié) 4
第二章 相關(guān)理論基礎(chǔ) 5
2.1 小微企業(yè)的界定 5
2.2 信用評價體系含義 5
2.3 云服務(wù)含義 6
第三章 小微企業(yè)融資困難的原因探索 8
3.1 小微企業(yè)自身融資特點 8
3.2 銀行及其他金融機構(gòu)存在的問題 9
3.3 中間信用擔(dān)保制度的缺點 10
3.4 小結(jié) 11
第四章 云服務(wù)平臺下小微企業(yè)信用評價體系構(gòu)建 12
4.1 企業(yè)數(shù)據(jù)研究 12
4.2 企業(yè)歷史情況分析 15
4.3 行業(yè)總體狀況以及對比 15
4.4 企業(yè)未來發(fā)展?fàn)顩r預(yù)測 16
4.5 評價體系評分及應(yīng)用規(guī)則 17
第五章 總結(jié)與展望 19
致謝 20
參考文獻 21