Research On High-tech Enterprises Credit Risk Of Hebei Province Based On Interest Rate Liberalization

Currently, high-tech enterprises have become an important force that could promotethe transformation of the development of economy and the upgrading of industrialstructure, playing a strategic guiding role in the national economy. During the crucial stageof the promption of the reform on the market-oriented interest rate, the credit of high-techenterprises in Hebei Province are confronted with new opportunities as well as newproblems on its risk control and prevention. It is extremely unreasonable for high-techenterprises to owe no specialized and targeted credit rating system in the credit process. Itis urgently needed for us to study the credit risk issues of high-tech enterprises in HebeiProvince on the basis of the development of the market-oriented interest rate and thecharacteristics of high-tech enterprises, establishing a comprehensive and scientificassessment system for the credit risk of high-tech enterprises in order to raise communityawareness of high-tech enterprises, deepen the credit mechanisms of high-tech enterprisesunder the circumstances of the market-oriented interest rate and reduce financing costs. Itis of great significance to promote the healthy and orderly development of high-techenterprises in Hebei Province, push the upgrading of Hebei credit mechanisms and reducethe credit risk of banks and financial institutions.The thesis studies the credit risk issues of high-tech enterprises in Hebei Province,taking the market-oriented interest rate as background. Firstly, it summarizes andconcludes the relevant concepts and major theories on credit risk of high-tech enterprises,as well as analyses and discusses the basic current situation of high-tech enterprises credit.Then, it points out the main problems that the high-tech enterprises credit is confrontedwith and establishes and improves the credit evaluation system of high-tech enterprisescredit risk in Hebei Province using the methods of Specialists and AHP. Furthermore, thethesis studies and analyses a high-tech enterprise in Hebei practically, building a fuzzycomprehensive evaluation model and taking fifteen high-tech enterprises in Hebei asreferences. Finally, the paper focuses on analysing the prevention measures of thebank-tech enterprise credit risk based on the conditions of the market-oriented interestrate.