基于AHP的中小企业供应链融资风险评估

近年来各银行纷纷推出各种供应链金融产品,这一方面在一定程度上解决了中小企业融资难问题,另一方面也给银行提供了新的业务渠道。但是,该融资模式在运行过程中比传统融资模式更容易产生风险。文章通过阐述中小企业现金流的缺口及相应的供应链融资模式并分析其风险及特征,筛选出影响中小企业供应链融资风险的指标因素,建立了包括融资企业资质指标、核心企业资质指标、供应链运行状况指标、融资项下交易资产质量指标四个评价指标在内的评估体系。在此基础上,借助AHP进行定性和定量分析,构建了供应链融资风险评估模型,确定了相关因素的影响力排序,找出风险控制点,以期为促进供应链融资业务的良好运行提供一些思路。

Banks have been offering a variety of products of supply chain financing in recent years. On the one hand, the financing model can solve the problem of financing SMEs to a certain extent, and on the other hand, it gives banks a new business channel. However, the financing model is more prone to risk than traditional financing model during operation. The author describes the gap of SMEs＇ cash flows and the corresponding supply chain financing models, analyzes the risks and charac- teristics, and screens out the index factors of affecting SMEs＇ supply chain financing risks to establish the evaluation system of four evaluation indicators including financing enterprise qualification, core enterprise qualification and supply chain op- eration as well as tradable asset quality under the financing program. In view of the ambiguity of risks, by means of the AHP for qualitative and quantitative analyses, the evaluation model of supply chain financing risks has been constructed and the influence order of relevant factors and risk control points have been identified so as to provide some ideas of promoting the sound operation of the supply chain of financing services.