基于资信评估路径的中小企业金融担保风险识别研究——兼论中小企业资信评估系统的科学性建构

Study on Risk Recognition to Small-medium Enterprises' Finance Guarantee Based on Credit Appreciation Channel——Approachment to Structuring Small-medium Enterprises' Credit Appreciation System

金融担保又称"信用担保"。作为金融市场的重要组成部分,中小企业金融担保市场承担着重要的金融功能。文章从资金和信用两大因素出发,设计中小企业资信评估系统的指标体系,该指标体系主要由财务指标体系与非财务指标体系构成。并针对中小企业资信程度所呈现的模糊性特征,运用模糊数学理论,构建了中小企业资信评估系统的评判模型与方法,以实现中小企业金融担保风险识别目标。本研究将不仅发展和完善金融风险管理理论,而且对于提升我国中小企业金融担保业在担保实践中的风险管理水平,加快推进我国中小企业金融担保业的科学化发展进程,实现我国中小企业金融担保业的可持续发展,具有非常重要的理论指导与现实意义。

This paper constructs the index systems of credit guarantee risk recognition system, aparantly from small-medium finance con- dition and non-finance condition perspective. And it also constructs credit guarantee risk recognition model by introduction mathematics function into risk recognition field, and fufils credit guarantee risk recognition system goals. It is very important to China small-medium credit guarantee profession persisting development. Which develops and deepens the risk theory of small-medium credit guarantee, and offers the important theorentical reference, possessing the very important theorrtical and practical significance.