摘要
目前中小企业信用担保机构已成为金融机构和中小企业之间的桥梁和纽带。如何对中小企业的信用担保进行评价成为中小企业信用担保机构更好发挥作用的关键问题之一,急需为中小企业建立一套科学、完善的适应其发展需要的信用评级体系。从中小企业信用担保评价指标构建的基本原则出发,建立了涵盖财务类指标和非财务类指标的信用评价指标体系,采用偏相关分析、回归分析、择优比较法和专家评价法作为中小企业信用担保评价的主要方法,并对河北省中小企业信用担保评价进行了实证研究。这将对河北省中小企业信用担保服务中心更好开展担保业务,解决中小企业融资难的问题具有重要意义。
The credit guarantee institutions of current small and medium--sized enterprises have become the bridge and tie between the small and medium--sized enterprises and financial institutions. How to evaluate the credit of the small and medium--sized enterprises effectively is a key problem. It is urgent to establish a set of scientific and perfect index system. This article establishes the index system covering finance and non--finance indexes on the basis of basic principles of construction and employs partial correlation analysis, regression analysis, preferred comparison method and the expert evaluation method as the main methods for medium--sized and small enterprises credit evaluation. At last, the paper employs the empirical research to verify the index system of the credit evaluation of the small and medium--sized enterprises. The results play an important role in solving the financing problems of the small and medium--sized enterprises.
出处
《河北大学学报（哲学社会科学版）》
CSSCI
北大核心
2013年第1期108-112,共5页
Journal of Hebei University(Philosophy and Social Science)
关键词
中小企业
信用担保评价
财务类指标
非财务类指标
the small and medium-- sized enterprise
guarantee credit evaluation
financial index
non-- financial index
