中小企业信用评级模型研究及应用——基于江苏制造企业数据

Study on the Model of Credit Rating of Small-medium Enterprises and Its Application——Based on the Data of Manufacturing Enterprises in Jiangsu Province

本文针对制造型中小企业的特点,与专家评判法结合,建立了一个信用评级指标体系。该体系改变了传统的AHP指标权重的确定方法,采用拉开档次法来确定定量指标权重。应用该模型与传统模型分别对江苏制造企业进行实证对比分析,结果显示本文模型优于传统模型。

This paper is based on the characteristics of manufacturing SEMs, combining the expert evaluation method to establish a credit rating index system. The system has changed the traditional AHP method of determining index weights, using Scatter-degree method to determine the quantitative index weights. Applicate the model and the traditional model to the manufacturing enterprises in Jiangsu Province, respectively comparative analysis of empirical results show that this model is superior to the traditional model.