科技型中小企业资信评估研究

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1、浙江工业大学硕士学位论文科技型中小企业资信评估研究姓名：胡军申请学位级别：硕士专业：技术经济及管理指导教师：程惠芳20030101ASTUDYOFT垂璃iCREDITRATINGSOF01：。j

2、．，二THESMALL柚MEDIUM。SIZESCI．TECHENTERPRISESABSTRA(?rsustainabledevelopmentofsmallandmedium-sizesci—techenterprisesinourcountry．Thepresentcreditratingssystemsforenterprisesfailtoconoemtheirch

3、aracteristicsofralpidgrowthand．highriskfolly．Amodelofcreditratingsforsinailandmedium-sizesci-techenterpriseswassetuptOconsidertheinfluenceofthe．technologyinnovafionandthesci一钯chrisktotheenterprises．Itlaysstressonanalyzingtheabilitiesofinnovationanddevelopmentandthesci．techrisk．。Firstly,

4、thedevelopmentStatUSofcrcditratingsindomesticandoverseasandisreViewed纽thispaper,aswellastheeconomicelementsofcreditratings．Thegrowing：fulesandcharacteristicofriskofsinai】andmedium-sizesci-g,chenterprises，andthesignificanceofcreditratingsarebrieflyanalyzed．Secondly,thecreditindexsystemfo

5、rratingthesmallandmedium-sizesci-techenterpriseiseducedonthebasisofanalyzingandcomparingthepresentsystems，conccmingtheelite巾rises’characteristicandinvestigation．TherelatedstandardandgradesofcreditratingsarealSOeduced．Thirdly,theAHPandDel曲imethodsarechosentodefinetheindexweights．Asthefuz

6、zymathematicsappliedintheratings，themodelusingthemethodof。fuzzycomprehensiveevaluationtoassesstheSillallandmedium．sizesci．tech．enterprisesissetup．Finally,theevaluationsystemofcreditratingsdesignedinthis，paperistestifiedbytherealdataandopenlyinformationoffourenterprises．neresultshowsthat

7、themodelcouldbebetterusedforcreditratingsofsmallandmedium-sizesci-techenterprises．KEYWORDS：smallandmedium—sizeSci．Techenterprises，creditratings，fuzzycomprehensiveevaluation，indexsystem，creditgrade浙江工业大学硕一l波义科技型中小企业资信计{iIi研究第一章引言1．1选题思考与研究意义。一1企业资信评估，又称信用评价或信用评级，就是对企业偿债能力、偿馈意愿和可佞傣程度的综合评估

8、。这可从银行、企业和信用服务机构三个角度分析：1、银行的企业信用评价即是银行为了贷款的安全性和蕴利性，对贷款企业的信用状况进行分析和评价，确定是否发放贷款、贷款期限、贷款限额等。2-对企业而言，信用评价可从企业的受信活动和授信活动两方面理解，企。，馊孵受信活动形成企业的负债，在社会信用活动中以各种信用方式从社会吸收资；螽，发展企业；企业授信活动主要是企业对客户授予信用并采取赊销、分期付款-一^譬信甩方式进行商品销售的信用活动，从而达到既能从与客户的交易中获取最大壤鍪，。，叉能将客户信用风险控制在最低限度的目的。一尊。．。+3一蓿髑服务机构(又称征信公