面向供应链融资企业信用风险评估指标体系设计

Designing of a Credit Risk Evaluation Index System for Supply Chain Financing Enterprises

供应链融资服务是一种新型的银行金融产品服务,是实现中小企业资金市场化的有效切入点。本文根据供应链融资业务特性以及影响融资企业信用风险的供应链要素或绩效,提出了以融资企业本身的信用风险评价子体系、核心企业信用风险评价子体系、融资企业贸易项目风险子体系以及贸易供应链绩效评价子体系组成的面向供应链融资企业信用风险评价指标体系。根据该指标体系,运用多层次AHP法和FCE法的供应链融资企业信用风险评价的步骤和方法,为企业风险管理和风险评估提供了可以借鉴的方法和策略。

As a new banking service,the supply chain financing is an effective preliminary tool to marketize small and medium-sized enterprises financing.Based on the business features of the supply chain financing and the supply chain factors and performance affecting enterprises credit risk,the author advances an evaluation index system for enterprise credit risk,which consists of four subsytems:the subsystem for the evaluation of the credit risks of financing enterprises themselves,the subsystem for the evaluatio...