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浦发银行苏州分行科技型中小企业融资信用评估体系构建研究_硕士论文

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基本简介
基于当前的市场经济背景之下,一些科技型中小企业始终保持着良好的发展 势头。毫不夸张地说,以高新技术产业为主的中小型企业对促进我国经济水平的 增长发挥着重要作用。当今社会,科学技术不断发展,日新月异,不管是银行亦 或是一些金融机构等等都或多或少的与科技型中小企业建立起了信用关系。其中, 金融机构对科技型中小企业的发展尤为重要。与一些大型企业相比较,不管是在 经营规模、员工组成,还是经济实力等方面,科技型中小企业都不占优势,但相 较于一些普通中小型企业,科技型中小企业又独具特色,这就要求相关金融机构 在针对该类企业进行相关评估的过程中,不仅要考虑风险评估的基本准则,又要 从企业的实际情况出发。就本文来看,就是以浦发银行苏州分行科技型中小企业 为参考案例来进行具体的分析,进而寻找出最适合该类企业的相关评估方法,也 是为了更好的促进科技金融发展,服务分行精准营销,建立具有行业特色、关注 领先技术、可操作性强的标准化指标评估体系带来灵感。 纵观本文内容,首先是向读者展示了当前国内外有关于企业信用评估的发展 状况,并提供了相关理论依据,又针对科技型中小企业信用评估展开了大致地描 述,然后又以浦发银行苏州分行作为参考案例,介绍了其大致背景,同时还提到 了当前的科技型中小企业常用的信用评估方法。本文通过了解国内大部分科技型 中小企业的发展特点,总结出浦发银行苏州分行的科技型中小企业信用评估体系。 依据因子分析法,本文选择了合适的财务指标,又通过文献查找法找到了非财务 指标,最终将全部指标划分成九大部分,利用层次分析法,得出不同等级指标的 权重,进而获取了企业的融资信用评估模型。在得到模型以后,本文以安润医药 科技(苏州)有限公司作为实验目标,对其进行了融资信用评估,并仔细地研究 了评估结果,经过层层研究从而得出本课题研究结论。 关键词:浦发银行,科技型中小企业,融资信用评估II Research on the Structure of Financing Credit Evaluation System for Technology-based SMES of Shanghai Pudong Development Bank Suzhou Branch Abstract Under market economy, technology-based SMEs have maintained a good momentum of development. It can be said without exaggeration that small and medium-sized enterprises, mainly in the high-tech industry, play an important role in promoting the growth of China's economic level. With rapid development of information technology nowadays, not only bank but also financial institutions have established credit relationships with technology-based SMEs. Among them, financial institutions are particularly important for the development of technology-based SMEs. Compared with some large enterprises, technology-based SMEs are not favored in terms of scales of operation, composition of employees or economic strength. But technology-based SMEs are quite unique compared with some ordinary SMEs. This requires the relevant financial institutions to consider not only the basic criteria of risk assessment, but also the actual situation of the enterprise in the process of conducting assessments for such enterprises. This article focuses on using the technology-based SMEs of Shanghai Pudong Development Bank, Suzhou Branch as references to conduct specific analysis and to discover the most suitable evaluation method for such enterprises in order to promote the development of science and technology finance, the accuracy of service branches and precision marketing; create inspiration and establish a standardized index evaluation system with industry characteristics, leading technology and operational standards. This article firstly demonstrates the current development status of corporate credit assessment domestically and overseas and provide relevant theoretical basis. It then describes the credit evaluation of SMEs with the reference of Shanghai Pudong Development Bank Suzhou Branch including its general background and currentIII credit evaluation methods commonly used by SMEs. By understanding the development characteristics of most domestic SMEs, this article summarizes the credit evaluation system of SMEs of Shanghai Pudong Development Bank, Suzhou Branch. According to the factor analysis method, this article selects the appropriate financial and nonfinancial indicators by using the literature search method to divide all the indicators into nine parts. Then the article performs the analytic hierarchy process based on the weights of different levels of indicators to obtain the credit evaluation model. After completing the model, this article conducts the credit evaluation on Anrun Pharmaceutical Science and Technology (Suzhou) Co., Ltd and carefully studies the evaluation results to conclude the research of this subject. Keywords: Shanghai Pudong Development Bank, technology-based SMEs, financing credit evaluationIV 目 录 中文摘要..................................................................................................... I Abstract....................................................................................................................... II 目 录........................................................................................................................IV 第 1 章 绪论............................................................................................................1 1.1 研究背景及意义............................................. 1 1.1.1 研究背景............................................... 1 1.1.2 研究意义............................................... 2 1.2 国内外研究现状............................................. 2 1.2.1 国外研究现状........................................... 2 1.2.2 国内研究现状........................................... 3 1.3 本文研究的内容与方法....................................... 5 1.3.1 研究内容与框架......................................... 5 1.3.2 研究方法............................................... 6 第 2 章 相关概念及理论基础...........................................................................7 2.1 科技型中小企业概念.......................................... 7 2.1.1 科技型中小企业的定义.................................... 7 2.1.2 科技型中小企业的主要特征.............................. 10 2.2 银行信贷理论基础.......................................... 11 2.2.1 信息不对称理论........................................ 11 2.2.2 信用风险管理理论...................................... 12 2.3 融资信用评估相关理论方法.................................. 13 2.3.1 融资信用风险及融资信用评估理论方法的介绍.............. 13 2.3.2 关于融资信用评估的常用理论方法介绍.................... 13V 2.3.3 关于融资信用评估模型的评价及相关理论方法介绍.......... 16 第 3 章 浦发银行苏州分行科技型中小企业融资信用评估体系存在的 问题............................................................................................................................20 3.1 浦发银行苏州分行概况...................................... 20 3.1.1 浦发银行简介.......................................... 20 3.1.2 苏州分行简介.......................................... 20 3.1.3 苏州分行业务情况...................................... 21 3.2 浦发银行苏州分行科技型中小企业融资信用评估现状............ 23 3.2.1 评估指标.............................................. 23 3.2.2 审查审批.............................................. 23 3.3 浦发银行现有科技型中小企业融资信用评估体系存在的问题...... 24 3.3.1 指标体系针对性不强.................................... 24 3.3.2 缺乏必要的现金流量分析................................ 24 3.3.3 指标设置不够全面合理.................................. 25 第 4 章 浦发银行苏州分行科技型中小企业融资信用评估体系构建27 4.1 浦发银行苏州分行科技型中小企业融资信用评估指标体系的构建原则27 4.1.1 权威性和科学性原则.................................... 27 4.1.2 定量和定性分析相结合原则.............................. 28 4.1.3 可操作性.............................................. 28 4.1.4 针对性................................................ 28 4.2 适用的融资信用评估方法.................................... 28 4.2.1 因子分析法............................................ 28 4.2.2 层次分析法............................................ 29 4.2.3 模糊综合评判法........................................ 31 4.3 浦发银行苏州分行科技型中小企业融资信用评估体系指标选取.... 32VI 4.3.1 财务性指标............................................ 32 4.3.2 非财务性指标.......................................... 37 4.3.3 科技型中小企业融资信用评估的指标体系.................. 38 4.4 浦发银行苏州分行科技型中小企业融资信用评估模型............ 39 4.4.1 基于层次分析法确定指标权重............................ 39 4.4.2 构建浦发银行苏州分行科技型企业融资信用评估模型 .... 42 第 5 章 浦发银行苏州分行科技型中小企业融资信用评估的应用....44 5.1 企业简介.................................................. 44 5.2 经营状况.................................................. 44 5.2.1 主营业务.............................................. 44 5.2.2 财务指标.............................................. 45 5.3 所在行业发展情况.......................................... 46 5.4 基于浦发银行苏州分行科技型企业融资信用评估模型的资信评估.. 47 5.4.1 评估结果.............................................. 47 5.4.2 评估结果验证.......................................... 49 第 6 章 结论............................................................................................................50