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MBA毕业论文_区域征信体系与中小企业融资能力研究DOC

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随着市场交易的复杂化,信用逐渐成为维系交易主体的“链条” 和“纽带”。征信已经成为区域信用环境的重要组成部分和缓解中小 企业融资难问题的重要手段。我国地域辽阔,经济发展不均衡,各地 区征信体系也具有明显的差异性,综合评价各区域征信体系发展和完 善情况,并研究区域征信体系对中小企业融资能力的影响具有必要性 和现实意义。 本文在总结了国内外学者对区域体系与中小融资能力相关研究 的基础上,首先介绍了我国征信体系的发展阶段和三种典型的区域征 信模式;其次,本文通过建立征信体系评级的指标体系,以我国 31 个 省市的征信发展数据为基础,运用因子分析法对我国征信体系的发展 水平进行了定量测度,同时采取聚类分析方法把我国分为三类地区; 最后研究区域征信体系对中小企业融资能力的影响,分别从征信市场、 信用信息共享、政府监管、行业宣传和征信意识五个方面入手,建立 回归模型。 研究结果表明,我国征信体系发展区域差距明显,不同区域之间 的征信体系发展不平衡,总体来说,东部沿海地区征信体系较为发达, 北京、上海的区域征信体系完善情况位于我国前列,中部地区省市的II 区域征信体系完善情况比较一般;聚类分析中,我国区域征信体系比 较优越的省市环境因子得分均高于规模因子得分,而另一类省市环境 因子和规模因子得分均较低。同时,区域征信体系可以显著提高中小 企业融资能力,征信市场和信用信息共享对中小企业融资能力的促进 作用更加明显。最后,本文根据研究结果,针对性地提出了促进我国 征信体系发展与中小企业融资的相关建议,并对未来研究方向做出展 望。 关键词,区域,征信体系,中小企业,融资能力 论文类型,应用基础研究III REGIONALCREDIT INVESTIGATION SYSTEM AND SMEs’FINANCINGABILITY ABSTRACT With the complexity of market transactions, credit has gradually become the “chain” and “link” for maintaining the main body of transactions. Credit investigation has become an important part of the regional credit environment and an important means to alleviate the financing difficulties of SMEs. China has a vast territory and uneven economic development. The credit reporting systems in various regions also have obvious differences. It is necessary and realistic to comprehensively evaluate the development and improvement of regional credit information systems and to study the impact of regional credit information systems on the financing capabilities of SMEs. Based on a review of domestic and foreign scholars' research on regional systems and small and medium-sized financing capabilities, this paper first introduces the development stageofChina's credit information systemand threetypicalregionalcredit information models; Then, through the establishment of the index system of credit system rating, based on thecredit development dataof31provinces and cities in China, the paper uses the factor analysis method to quantitatively measure the development level of China's credit information system,at the same time, cluster analysis method is adopted todivideChinainto threetypesofregions. Finally,theimpact ofregionalcredit information system on the financing ability of SMEs is studied. The regression model is established from five aspects: credit information market, credit information sharing, government supervision, industry propaganda and credit awareness. The research results show that the gap in the development of China's credit information system is obvious, and the development of credit information systems between different regions is not balanced. Generally speaking, the credit information system in the eastern coastal areas is relatively developed, and the improvement of the regional credit information system in Beijing and Shanghai is at the forefront of China. The improvement of the regional credit information system in the provinces and cities in the central region is relatively general; In the cluster analysis, the provincial andIV municipal environmental factor scores of China's regional credit information system are higher than the scale factor scores. The other types of provinces and cities have lower environmental factors and scale factors. At the same time, the regional credit information system can significantly improve the financing capacity of SMEs, and the promotion role of credit information market and credit information sharing is more obvious. Finally, based on the research results, this paper puts forward relevant suggestions for promoting the development of China's credit information system and financing of SMEs, and forecasts the future research direction. KEYWORDS: Regional; Credit Investigation System; SMEs; Financing Capacity TYPE OF DISSERTATION / THESIS: Application Fundamentals浙江工业大学硕士学位论文 区域征信体系与中小企业融资能力研究 V 目 录 1 绪论 .............................................. 1 1.1 选题背景和意义 ........................................... 1 1.1.1 研究背景 ........................................... 1 1.1.2 研究意义 ........................................... 2 1.2 研究内容与方法思路 ....................................... 2 1.2.1 研究内容 ........................................... 2 1.2.2 研究方法与技术路线 ................................. 3 1.3 创新点................................................... 5 2 文献综述........................................... 6 2.1 理论基础................................................. 7 2.1.1 资源分配观 ......................................... 7 2.1.2 信息不对称理论 ..................................... 7 2.1.3 信贷配给理论 ....................................... 8 2.1.4 关系型借贷理论 ..................................... 9 2.2 区域征信体系相关研究 ..................................... 9 2.2.1 区域征信体系的概念 ................................. 9 2.2.2 区域征信体系的构成 .................................10 2.2.3 区域征信体系的影响因素 .............................13 2.3 中小企业融资能力相关研究 .................................15 2.3.1 中小企业融资能力的概念 .............................15 2.3.2 中小企业融资能力的影响因素..........................16 2.3.3 中小企业融资困境对策研究............................18 2.4 征信体系对中小企业融资的影响综述..........................19 2.5 文献评述.................................................19 3 我国区域征信体系建设及评价指标体系的构建 ............ 21 3.1 我国区域征信体系建设 .....................................21 3.1.1 征信体系建设发展阶段 ...............................21 3.1.2 我国区域征信体系发展模式............................22 3.2 区域征信体系评价指标构建 .................................24 3.2.1 评价指标选取的基本原则 .............................24 3.2.2 评价指标的建立 .....................................25浙江工业大学硕士学位论文 区域征信体系与中小企业融资能力研究 VI 4 区域征信体系评价与分类 ............................. 31 4.1 测度方法及数据来源 .......................................31 4.1.1 测度方法 ...........................................31 4.1.2 数据来源 ...........................................32 4.2 基于因子分析的区域征信体系评价............................32 4.3 基于聚类分析的区域征信体系分类............................36 4.4 我国区域征信体系差距的原因解析............................38 5 区域征信体系与中小企业融资能力实证分析 .............. 40 5.1 中小企业融资能力评价 .....................................40 5.1.1 评价方法分析 .......................................40 5.1.2 评价结果分析 .......................................42 5.2 实证结果分析 .............................................44 5.2.1 变量选择 ...........................................44 5.2.2 描述性统计分析 .....................................45 5.2.3 相关性检验 .........................................46 5.2.4 回归结果分析 .......................................47 5.3 实证结果讨论 .............................................49 6 结论与展望 ........................................ 51 6.1 主要研究与结论 ...........................................51 6.2 应用与建议 ...............................................52 6.3 研究局限与展望 ...........................................52