【作者】 刘丹；

【导师】 刘久彪；

【作者基本信息】 天津财经大学 ， 金融硕士（专业学位）， 2017， 硕士

【副题名】以天津市东丽区A企业为例

【摘要】 在科学技术不断成长的时代下,经济发展越来越依赖科技型中小企业。科技型中小企业对经济进步起着带头作用,已经为科技发展和技术创新的“发动机”。而对任何一家科技型中小企业而言,企业最关心的问题就是融资问题,这也是企业发展的最大阻碍。企业有没有信用与企业能不能融资是直接相连的,并且企业融资难也是因为选择难。虽然已有研究者们建立了科技型中小企业信用评级指标体系,但是实用性太差,还存在很多缺点,对一些企业不适用。所以对目前存在的问题,关键是要建立一套实用性强的科技型中小企业信用评级指标体系。通过测评企业相关信用指标证明自身信用情况,通过评级结果显示自身能力,从而得到融资,用更多的资金支持企业,投入技术、人员,帮助企业更好的发展,这也就是评级的目标。也就是说,将信用好的企业挑选出来,使其得到融资;信用差的企业被淘汰,减少信息不对称。本文是针对科技型中小企业融资难的问题并使得其问题可以得到解决,基于企业经营行为设计出科技型中小企业信用评级指标体系,并运用聚类层次分析法确立信用评级模型,建立一套适合科技型中小企业的信用评级体系。本文首先从定义、特征分析及其成长规律这些方面介绍科技型中小企业,以便了解它们的基本情况。然后是基于企业经营行为设计出科技型中小企业信用评级指标体系,再结合科技型中小企业特点制定出指标选取需要依据的原则,依据设立指标原则选择确定指标,并介绍各个指标含义。然后通过专家打分法来评判相对指标的重要性得到对比矩阵,并运用聚类层次分析法确定权重,通过一致性检验来验证指标体系的科学性。最后,介绍天津市东丽区的发展现状,设定问卷调查采取数据,再通过天津市东丽区的某一企业—A企业进行实证研究,来证明指标体系的可行性。更多还原

【Abstract】 In the era of continuous growth of science and technology,economic development is increasingly dependent on science and technology SMEs.Science and technology small and medium-sized enterprises play a leading role in economic progress,science and technology development and technological innovation has been "engine." For any science and technology small and medium enterprises,enterprises are most concerned about is the financing problem,which is the biggest obstacle to the development of enterprises.Enterprises have no credit and business can not be directly linked to financing,and corporate finance is also difficult because of difficult choice.Although researchers have established a scientific and technological SME credit rating index system,but the practicality is too bad,there are still many shortcomings,for some enterprises do not apply.Therefore,the key is to establish a system of credit rating of small and medium-sized enterprises with strong practical technology.Through the evaluation of corporate credit indicators to prove their credit situation,through the rating results show their ability to get financing,with more money to support enterprises,investment technology,personnel,to help enterprises better development,which is the goal of rating.In other words,the credit will be selected out of the enterprise,so that it is financing;credit bad business is eliminated,reduce information asymmetry.This article is aimed at the financing of small and medium-sized enterprises in science and technology,and the problem can be solved,based on the business behavior of small and medium-sized enterprises to design credit rating index system,and the use of clustering analysis of credit rating model to establish a set of suitable for small and medium-sized credit Rating system.This article first introduces the science and technology small and medium-sized enterprises from the aspects of definition,characteristic analysis and growth law in order to understand their basic situation.Secondly,it is based on the design of the credit rating index system of small and medium-sized enterprises based on the enterprise management behavior.According to the characteristics of the selection of small and medium-sized enterprises,the index is selected according to the principle of setting up indicators and the meaning of each index is introduced.And then through the expert scoring method to judge the importance of relative indicators to get the contrast matrix,and use clustering analytic method to determine the weight,through the consistency test to verify the scientific nature of the index system.Finally,the present situation of the development of Dongli District in Tianjin is introduced,and the data of questionnaire survey are set up.Then,through the empirical research of a enterprise in Dongli district of Tianjin,the feasibility of the index system is proved.更多还原