供应链融资的客观信用风险评价方法研究

Objective Credit Risk Evaluation Method of Supply Chain Financing

在大多数中小企业的发展过程中,融资难的问题始终伴随着它们。供应链融资使得中小企业依托供应链和其中信用良好的核心企业,为中小企业融资提供了新思路。本文通过建立BP神经网络供应链融资客观信用风险评价模型,并且运用"3σ准则"做出初始信用风险评价,规避评价主体对样本信用评价的主观偏差,最终得出BP神经网络法在供应链融资客观信用风险评价中具有较好的适用性。

In the development process of most of SMEs＇, financing problem always accompanies. Supply chain financing enables SMEs to rely on the supply chain and the core enterprise with good credit, and provides a new approach to SMEs. In this paper, BP neural network has a good applicability on the supply chain financing objective credit risk evaluation by the establishment of a supply chain financing objective credit risk assessment model and the use of ＂3σ criterion＂ to subjective bias of the evaluation subject on the sample make an initial assessment of credit risk to avoid the of credit rating.