小微企业信用评价体系建设.doc
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小微企业信用评价体系建设,1.38万字我自己原创的毕业论文，仅在本站独家提交，大家放心使用摘要 近年来，我国的经济体制改革使中小企业获得了巨大的发展。中小企业已经成为我国经济社会发展中不可或缺的重要组成部分。他们不仅在扩大出口，增加地方财政收入等方面发挥了重要的作用，更重要的是在提供就业机会，创造社会财富等方面有着极其重...
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小微企业信用评价体系建设
1.38万字
我自己原创的毕业论文，仅在本站独家提交，大家放心使用
摘要 近年来，我国的经济体制改革使中小企业获得了巨大的发展。中小企业已经成为我国经济社会发展中不可或缺的重要组成部分。他们不仅在扩大出口，增加地方财政收入等方面发挥了重要的作用，更重要的是在提供就业机会，创造社会财富等方面有着极其重要的作用。
众所周知，现代市场经济已经逐渐发展成为信用经济。企业信用是最基础的信用形式。而当前企业信用的缺失已成为信用经济健康发展的一大阻力。尤其是中小企业由于自身的一些先天缺陷及外在环境等因素，使得信用缺失更加严重，严重影响了中小企业的整体生存发展环境。其原因从两个角度来分析，一是中小企业生存的外部信用环境较差，促进中小企业发展的信用体系尚不完善；二是中小企业自身信用程度较低。
本文首先通过国内外文献了解小微企业信用评价体系的现状，初步了解造成小微企业融资困难的原因。然后从小微企业的自身特点、中间担保制度存在的缺陷、银行及其他金融机构的三个方面进行原因的探索。在完成原因分析之后，本文将尝试建立一个基于云服务平台的小微企业信用评价体系，这个体系将包括四大方面的信用评价，分别是：企业数据、历史情况、行业地位、未来发展。本文希望借由这个信用评价体系，能够解决小微企业融资困难的现状。
关键词：小微企业 信用评价 企业信用
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
目录
第一章 绪论 1
1.1 基于云服务平台的小微企业信用体系研究 1
1.1.1 背景介绍 1
1.1.2 研究的目的和意义 1
1.2 小微企业信用评价体系现状概述 2
1.2.1 国外小微企业融资信用体系 2
1.2.2 国内小微企业融资信用体系 3
1.3 小结 4
第二章 相关理论基础 5
2.1 小微企业的界定 5
2.2 信用评价体系含义 5
2.3 云服务含义 6
第三章 小微企业融资困难的原因探索 8
3.1 小微企业自身融资特点 8
3.2 银行及其他金融机构存在的问题 9
3.3 中间信用担保制度的缺点 10
3.4 小结 11
第四章 云服务平台下小微企业信用评价体系构建 12
4.1 企业数据研究 12
4.2 企业历史情况分析 15
4.3 行业总体状况以及对比 15
4.4 企业未来发展状况预测 16
4.5 评价体系评分及应用规则 17
第五章 总结与展望 19
致谢 20
参考文献 21
1.38万字
我自己原创的毕业论文，仅在本站独家提交，大家放心使用
摘要 近年来，我国的经济体制改革使中小企业获得了巨大的发展。中小企业已经成为我国经济社会发展中不可或缺的重要组成部分。他们不仅在扩大出口，增加地方财政收入等方面发挥了重要的作用，更重要的是在提供就业机会，创造社会财富等方面有着极其重要的作用。
众所周知，现代市场经济已经逐渐发展成为信用经济。企业信用是最基础的信用形式。而当前企业信用的缺失已成为信用经济健康发展的一大阻力。尤其是中小企业由于自身的一些先天缺陷及外在环境等因素，使得信用缺失更加严重，严重影响了中小企业的整体生存发展环境。其原因从两个角度来分析，一是中小企业生存的外部信用环境较差，促进中小企业发展的信用体系尚不完善；二是中小企业自身信用程度较低。
本文首先通过国内外文献了解小微企业信用评价体系的现状，初步了解造成小微企业融资困难的原因。然后从小微企业的自身特点、中间担保制度存在的缺陷、银行及其他金融机构的三个方面进行原因的探索。在完成原因分析之后，本文将尝试建立一个基于云服务平台的小微企业信用评价体系，这个体系将包括四大方面的信用评价，分别是：企业数据、历史情况、行业地位、未来发展。本文希望借由这个信用评价体系，能够解决小微企业融资困难的现状。
关键词：小微企业 信用评价 企业信用
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
目录
第一章 绪论 1
1.1 基于云服务平台的小微企业信用体系研究 1
1.1.1 背景介绍 1
1.1.2 研究的目的和意义 1
1.2 小微企业信用评价体系现状概述 2
1.2.1 国外小微企业融资信用体系 2
1.2.2 国内小微企业融资信用体系 3
1.3 小结 4
第二章 相关理论基础 5
2.1 小微企业的界定 5
2.2 信用评价体系含义 5
2.3 云服务含义 6
第三章 小微企业融资困难的原因探索 8
3.1 小微企业自身融资特点 8
3.2 银行及其他金融机构存在的问题 9
3.3 中间信用担保制度的缺点 10
3.4 小结 11
第四章 云服务平台下小微企业信用评价体系构建 12
4.1 企业数据研究 12
4.2 企业历史情况分析 15
4.3 行业总体状况以及对比 15
4.4 企业未来发展状况预测 16
4.5 评价体系评分及应用规则 17
第五章 总结与展望 19
致谢 20
参考文献 21
