基于供应链的企业信贷风险评估研究

Research on Risk Assessment of Corporate Credit Based on Supply Chain

提出了基于供应链的企业信贷风险评估指标体系,全面地评估贷款申请企业的偿贷能力,克服了当前企业信贷风险评估中存在的只对申贷企业孤立评判的不足。应用BP神经网络,基于新提出的企业信贷风险评估指标体系,开发了风险评估的数学模型。算例研究的结果表明,该模型具有良好的可操作性,能对企业贷款申请进行有效、精确地评估。

A new index system for evaluating the corporate credit risk is presented, which can comprehen-sively evaluate the corporate＇s ability of refunding bank＇s money. It gets rid of the shortcoming of only insularly evaluating the specific corporate applying for the loan in the present research. Applying the method of BP Neural Networks, the new quantitative evaluation model on risk assessment of corporate credit is developed. The results of examples show that the proposed model is feasible and accurate for dealing with the risk assessment of corporate credit.