摘 要
中小企业作为推动经济增长和促进就业的重要力量，在经济发展中占据关键地位，但其融资难问题长期制约着企业的发展。本研究以金融工程理论为基础，结合中小企业的实际融资需求，探讨如何通过创新金融工具和优化融资模式缓解中小企业融资困境。研究采用定性与定量相结合的方法，综合运用案例分析、实证研究以及数学建模等手段，对中小企业融资现状进行深入剖析，并提出基于金融工程的解决方案。研究表明，通过设计针对性的金融产品、构建多层次资本市场体系以及引入金融科技手段，可以有效降低中小企业融资成本并提高资金可得性。本研究的创新点在于将金融工程方法系统性地应用于中小企业融资问题，提出了动态信用评估模型和风险分担机制，为解决中小企业融资难题提供了新思路。研究结果不仅丰富了金融工程在中小企业领域的应用理论，还为政策制定者和金融机构优化资源配置提供了实践参考，具有重要的学术价值和现实意义。
关键词：中小企业融资 金融工程 动态信用评估
Abstract
Small and medium-sized enterprises (SMEs), as a crucial driving force for economic growth and employment promotion, play a pivotal role in economic development, yet their progress has long been constrained by difficulties in accessing financing. Grounded in financial engineering theory and aligned with the actual financing needs of SMEs, this study explores how innovative financial instruments and optimized financing models can alleviate the financing challenges faced by SMEs. By employing a combination of qualitative and quantitative approaches, including case analysis, empirical research, and mathematical modeling, the study provides an in-depth examination of the current state of SME financing and proposes solutions based on financial engineering principles. The findings indicate that designing targeted financial products, establishing a multi-tiered capital market system, and integrating fintech solutions can effectively reduce financing costs for SMEs while enhancing their access to capital. A key innovation of this research lies in its systematic application of financial engineering methods to SME financing issues, introducing a dynamic credit evaluation model and a risk-sharing mechanism that offer new perspectives for addressing these challenges. The results not only enrich the theoretical application of financial engineering in the SME domain but also provide practical guidance for policymakers and financial institutions in optimizing resource allocation, thereby holding significant academic value and practical implications.
Keyword:Sme Financing Financial Engineering Dynamic Credit Assessment
目 录
1绪论 1
1.1研究背景与意义 1
1.2国内外研究现状综述 1
1.3研究方法与技术路线 1
2金融工程理论与中小企业融资问题分析 2
2.1金融工程的基本概念与工具 2
2.2中小企业融资的特征与难点 2
2.3金融工程在中小企业融资中的应用潜力 3
3基于金融工程的中小企业融资模式创新 4
3.1传统融资模式的局限性分析 4
3.2金融工程驱动的融资模式设计 4
3.3创新模式的案例分析与可行性评估 5
4金融工程实施的风险管理与政策建议 5
4.1中小企业融资中的风险识别 5
4.2基于金融工程的风险管理策略 6
4.3政策支持与优化路径探讨 6
结论 7
参考文献 8
致谢 9
中小企业作为推动经济增长和促进就业的重要力量，在经济发展中占据关键地位，但其融资难问题长期制约着企业的发展。本研究以金融工程理论为基础，结合中小企业的实际融资需求，探讨如何通过创新金融工具和优化融资模式缓解中小企业融资困境。研究采用定性与定量相结合的方法，综合运用案例分析、实证研究以及数学建模等手段，对中小企业融资现状进行深入剖析，并提出基于金融工程的解决方案。研究表明，通过设计针对性的金融产品、构建多层次资本市场体系以及引入金融科技手段，可以有效降低中小企业融资成本并提高资金可得性。本研究的创新点在于将金融工程方法系统性地应用于中小企业融资问题，提出了动态信用评估模型和风险分担机制，为解决中小企业融资难题提供了新思路。研究结果不仅丰富了金融工程在中小企业领域的应用理论，还为政策制定者和金融机构优化资源配置提供了实践参考，具有重要的学术价值和现实意义。
关键词：中小企业融资 金融工程 动态信用评估
Abstract
Small and medium-sized enterprises (SMEs), as a crucial driving force for economic growth and employment promotion, play a pivotal role in economic development, yet their progress has long been constrained by difficulties in accessing financing. Grounded in financial engineering theory and aligned with the actual financing needs of SMEs, this study explores how innovative financial instruments and optimized financing models can alleviate the financing challenges faced by SMEs. By employing a combination of qualitative and quantitative approaches, including case analysis, empirical research, and mathematical modeling, the study provides an in-depth examination of the current state of SME financing and proposes solutions based on financial engineering principles. The findings indicate that designing targeted financial products, establishing a multi-tiered capital market system, and integrating fintech solutions can effectively reduce financing costs for SMEs while enhancing their access to capital. A key innovation of this research lies in its systematic application of financial engineering methods to SME financing issues, introducing a dynamic credit evaluation model and a risk-sharing mechanism that offer new perspectives for addressing these challenges. The results not only enrich the theoretical application of financial engineering in the SME domain but also provide practical guidance for policymakers and financial institutions in optimizing resource allocation, thereby holding significant academic value and practical implications.
Keyword:Sme Financing Financial Engineering Dynamic Credit Assessment
目 录
1绪论 1
1.1研究背景与意义 1
1.2国内外研究现状综述 1
1.3研究方法与技术路线 1
2金融工程理论与中小企业融资问题分析 2
2.1金融工程的基本概念与工具 2
2.2中小企业融资的特征与难点 2
2.3金融工程在中小企业融资中的应用潜力 3
3基于金融工程的中小企业融资模式创新 4
3.1传统融资模式的局限性分析 4
3.2金融工程驱动的融资模式设计 4
3.3创新模式的案例分析与可行性评估 5
4金融工程实施的风险管理与政策建议 5
4.1中小企业融资中的风险识别 5
4.2基于金融工程的风险管理策略 6
4.3政策支持与优化路径探讨 6
结论 7
参考文献 8
致谢 9
