【作者】 陶凌云；

【导师】 罗正英；

【作者基本信息】 苏州大学 ， 世界经济， 2004， 硕士

【摘要】 本文以信用不足是中小企业的融资障碍为前提，将中小企业的信用问题作为研究核心，指出可以通过采取中小企业的可持续成长战略来实现信用的可持续发展，研究宗旨是将信用发展为中小企业融资的竞争优势，从而解决融资的困难。文章不仅提出了制度一行为一绩效的信用创新理论，而且以铜陵市为例，对信用的影响因素做了实证分析。发现资产规模和企业制度并不是信用等级的决定因素，还贷记录、成立时间的长短和健全的财务管理制度等因素才是与信用强相关的因素。在此基础上，作者建构了一个有关中小企业成长性、信用和融资能力的累积性放大模型，该模型指出了三者之间的相互影响呈现出倍数放大的特征，而“可持续成长”、“信用记忆”和“融资剩余”是倍数放大的基点。累积性放大模型的提出，为中小企业减少融资障碍提供了更为一般的理论支撑，并隐含着一系列重要的政策结论。更多还原

【Abstract】 The lack of reputation is the obstacle in the course of MSE’ credit. On such a premise, we make the MSE’ reputation as a core and point out that reputation grade can be improved by realizing the MSE’ continuous growth. The aim of the study is to develop reputation as the competing superiority, thereby the difficulty of credit will be solved. We not only put forward the reputation theory of "system-behavior-achievement", but also make empirical analysis of influence factors using the Tongling city as the example. We find that capital scale and enterprise system are not the decisive factors, while repayment record, the period of establishment and sound financial administration system are the strongly relative factors. On this basis, the author builds up the "accumulative amplifying model" among the MSE’ growth, reputation and comparative superiority of credit. In this model, we point out that reciprocal influence among these factors take on the characteristics of multiple amplifications. And "continuous-growth", "reputation memory" and "credit surplus" are the starting point. "The accumulative amplifying model" provides the theoretical resistance to reduce credit obstacles and implies a series of important policy conclusions simultaneously.更多还原