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The high quality managerial talent, the extreme responsible enterprise staffs and the excellent poster paper product printing processing craft enable this company always to have the good enterprise credit and the profession prestige, guarantees the quality,the service customer is our objective, is driving force which the enterprise survival and depends on develops This company has the adva-nced paper printing processing mechanical device, depends on the Shenzhen paper product printing industry home leading sup-eriority,this company customer spreads the home, far fords the ocean other shore We are engaged in the poster paper product manufacture,directly roduct examination discipline, had guaranteed our overwhelming majority customer stabilizes and turning head rate This company has the multiwraps to use the South Korean part paper cup to take shape the production line The mon-thly output 10 million poster paper cups,5,000 papers cups are especially few subscribe the custom make, is quickest in five days to deliver The complete paper cup product selects the high quality A level reed paper manufacture (completely primary thick liquid, does not contain recycling paper pulp is the A level), the albedo Degree of hardness ultra is good Guaranteed by the reli-able stable quality that, good postsale follows up to serve becomes China to move, the Chinese telecommunicati-on, China Uni-com, the communications bank, the construction bank, the agricultural bank, the brilliant bank, china merchants bank, ten thousand branches real estates,China is the technology, the Shenzhen aviation, China is safe and so on the wellkno-wn big enterprise's long-term stable partner.

高素质的管理人才,极端负责任的企业员工和精良的广告纸制品印刷加工工艺使本公司一向拥有良好的企业信用和行业声誉,保证质量,服务客户是我们的宗旨,是企业生存和赖以发展的原动力。本公司拥有先进的纸品印刷加工机械设备,依托深圳纸制品印刷业的国内领先优势,本公司客户遍及国内,远涉大洋彼岸。我们从事广告纸制品制造,直接关系客户的品牌推广,我们拥有宁可报费一万,不能放过一个的极端负责任的产品检验纪律,保证了我们绝大多数客户的稳定和回头率。本公司拥有多套采用韩国部件纸杯成型生产系线。和国内知名高档超白度芦苇淋膜纸生产企业一直保持比较良好的合作关系,保证了本公司生产原材料的稳定供给。五千只纸杯特少起订定做,最快五天内交货。全部纸杯产品选用优质A级芦苇纸制造(全部原生浆,不含回收纸浆为A级),白度挺度超好。以可靠稳定的质量保证,良好的售后跟进服务成为中国移动,中国电信,中国联通,交通银行,建设银行,农业银行,光大银行,招商银行,万科地产,华为技术,深圳航空,中国平安等知名大企业的长期稳定合作伙伴。

How to solve the credit dilemma of private minor enterprises is key purpose in this paper. In the theory of information economics and game, the paper analyzes the credit dilemma of private minor enterprises.

本文在信息经济学和博弈论的理论框架内,在信息不对称的前提下分析银行与信用担保机构对民营中小企业信贷支持中的约束条件并提出相应对策。

Proceeding from the above purpose and thinking, the following of research contents is launched that: Chapter one is a part of the prolegomena, and mainly introduce the purpose, meaning, research background, documents survey in which the tax compliance discrimination models concerned. On the basis of the investigation of the critical to taxation, Chapter two reveals the index system, and uses the discriminating analytical method to judge taxpayers" credit, and embodies its standard and methods in judgments. On the disvovery of the investigating taxpayers" microeconomics behavior, Chapter three uses the econometrical modeling methods and data mining technology, establishes Logistic regression model, calculates taxpayer credit measure and gives the empirical analysis; Chapter four gives a work methods and suggestions in practical application of identifying models; It is a conclusion of this paper, which reaffirms the main achievements and viewpoints of this paper.

从以上目的和思路出发,本文研究内容如下方式展开:论文第一章为绪论部分,主要介绍纳税人诚信识别模型研究的目的、意义、研究背景、文献综述以及全文框架;第二章在纳税评估问卷调查基础上,提出纳税评估指标体系,并应用多元统计的判别分析方法来给出评判纳税人诚信,并具体给出其判断的标准与方法;第三章在考察纳税人微观行为基础上采用计量经济建模方法和数据挖掘技术,建立定量能测算纳税人诚信水平的Logistic回归模型,并作实证分析:第四章对比分析纳税评估模型实证研究结果,并就模型在实际应用中的工作方法、建议及进一步的研究方向展开讨论;最后为本文的结论,在该部分将再次重申本文研究的主要成果和观点。

This paper first discusses the theory of commercial bank credit management, then, brings forward the theory innovation that evaluates the performance of commercial bank credit management, analyses actualities of evaluating the performance of commercial bank credit management in home or fremdness.

本文在研究方法上,第一次把因子分析法运用在商业银行信用管理绩效评价中,并通过理论研究与实证分析形成统一整体,同时还采用了归纳分析法、比较分析法等研究方法。

It puts forward the significance of this paper. It points out that, in the time period of our economic reform, there exist serious social credit crisis and ethic crises in the economic order of society, which have made much negative influence on the development of our socialist economy. Then, the paper deplores into the reasons of these problems and draws a conclusion that at the time when new economic management system is replacing the old one, the confusion of social economic order is normal because of the imperfect new economic management system. The market disorder will necessarily lead to moral landslide and social credit crisis. Thus it will bring about market fluctuation, make worse the environment of system reform, and impede the deepening our reform.

前言提出本文研究的意义,指出我国经济体制转轨时期,在社会经济秩序方面存在着严重的社会信用危机和道德危机,给社会主义市场经济的发展带来严重的不良影响,进而探索出现这些问题的原因,指出由于新旧经济管理体制的更替,新的社会经济管理体制尚未健全,社会经济秩序出现混乱是一种正常的现象,而混乱的市场秩序必然会带来道德滑坡和社会信用危机,使市场出现波动,改革环境恶化,妨碍了改革的进一步深入进行。

This paper breaks through the ancient research finitude of determining the nature to the credit lack by the establishing of mathematics model, and gives the ration models, thereby gives the analysis and explanation of ration. It makes certain that enterprise credit is important in the field of marketing, and inaugurates new way of innovation of customer value, at the same time, it also provides new thought of getting continuous competition advantages, that is enhancing credit construction of the enterprise.

本文通过数学模型的建立,突破了以往对企业信用缺失定性研究的界限,给出了量化的模型,从而对企业信用缺失给顾客价值所造成的损害做出了定量的分析和解释,明确了企业信用在市场营销领域的重要性,为顾客价值创新开辟了一条新的途径,同时也为企业获得持续竞争优势提供了新的思路,即不断加强企业信用建设。

There is a prevalent phenomenon of credit stinting in commercial banks o . Based on the principle of information economy , the paper explains the cause of credit stinting for commercial banks by analyzing the generated mechanism of credit rate .

惜贷&现象是现阶段国有商业银行普遍存在的问题,文章基于信息经济学原理,通过分析商业银行的贷款利率的形成机制,解释了银行&惜贷现象出现的原因。

Starting from the principles relevant to the asymmetric information in the information economics,this paper analyzes on the causes of the credit risks of our country's commercial banks,and puts forward some methods for preventing and solving these risks such as making the credit allotment,perfecting the credit degree system of the enterprises,transacting the mortgage and compensation balance,signing the restrictive contract,and realizing information resources sharing,etc.

从信息经济学中信息不对称的相关原理出发,分析了我国商业银行产生信贷风险的原因,并提出了预防和化解风险的办法,如进行信用配给、完善企业资信评级制度、办理抵押和补偿余额、签订限制性契约和实现信息资源共享等。

In this paper the concept of credit risk is limited to the financial category and this paper mainly discusses the credit risk in our commercial banks.

对于我国的商业银行而言,信用风险是一个必须面对,而且必须尽快解决的问题。

After simply introducing the conception of credit and credit risk, the paper analyses the credit risk and its management in our commercial banks in detail.

在简单介绍了信用和信用风险的概念之后,详细分析了我国商业银行的信用风险及其管理现状。

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