【作者】 李燕；

【导师】 何丽红；

【作者基本信息】 兰州大学 ， 工商管理（专业学位）， 2018， 硕士

【摘要】 融资担保机制自上世纪90年代在我国出现后,在银行和企业之间架起了桥梁,为中小企业融资做出了巨大的贡献。然而,由于银行、融资担保公司及企业三方之间存在着较大信息不对称的状况,如何建立科学可行的信用评级模型,解决银行、担保机构与企业之间信息不对称的问题,成为国内外金融业学者讨论的热点。基于以上背景,论文以深圳市兰德融资担保有限公司(简称:兰德担保公司)为研究对象,从三维信用理论出发,借鉴国内外已有的中小企业信用评级指标体系,采用问卷调查方法,确立了适合公司自身业务特点的三维信用指标体系。在此基础上,借助层次分析法完成了三维信用指标体系各项指标权重的计算,采用综合评价法完成了信用等级的设置,构建了兰德担保公司的九级信用评级模型,为其各类型客户信用定量的分析提供了方法与路径。为验证该模型的科学性和适用性,论文选取二十家企业作为样本,采用九级信用评级模型对样本企业的信用进行综合评价,并对样本企业信用评级结果的后续授信进行跟踪分析。实践证明,论文提出的九级信用评价结果对于兰德担保公司而言具有较强的可行性,能够更全面、真实地反应样本企业的信用状况。该评级模型在一定程度上较好地解决了兰德担保公司在业务拓展、风险管理过程中存在的问题,提升深圳市兰德融资担保公司事前、事中和事后全流程的风险管理水平。论文的研究不仅解决了兰德担保公司客户信用分析这一核心问题,而且也为国内外担保公司实施客户信用评价提供了较为可行的理论分析路径,为国内担保行业开辟一条风险管理的道路,对业务聚焦于中小企业的同行具有借鉴意义。更多还原

【Abstract】 With the emergence of financing guarantee,the SMEs in China have an incredible opportunity for development since 1990 s.However,information asymmetry among the banking system,financing guarantee companies and SMEs remains a problem to be solved.And one possible alternative is to build up a practical credit rating method.This paper would majorly study Shenzhen Landing Financing Guarantee Co.Ltd(short for Landing).Based on the Wu’s credit theory and universal SMEs’ credit rating index system,a brand new rating method accorded with Landing’s business features is established after conducting a questionnaire.On this basis,with the aid of ahp and comprehensive rating method,Landing’s 9-scale credit rating model is reconstructed including index weight calculation and rate setting and offers a new approach to analyze the clients’ credit status.This paper has chosen 20 companies as samples to test the scientificity and practicality of the new credit rating model.It offers a rating result with following credit monitoring.The result has proved the 9-scale credit rating model has an impressively applicable effect on Landing’s business.To a certain extent,the rating model helps develop Landing’s ability in business development and overall risk management.This paper not only solves the Landing’s major issue of customer credit analysis,but also provides a possible approach to conduct customers’ credit evaluation.In conclusion,this method would produce a positive effect towards similar small companies in financing guarantee industry for customers’ credit rating.更多还原