供应链金融贷款风险识别与评价方法研究

Loan Risk Identification and Study on Evaluation Method of Supply Chain Finance

在供应链金融服务中,银行面对着处于供应链系统中的各类中小企业,在对它们的风险进行分析时,除考虑企业自身的风险外,还需要综合考虑企业的外部环境、供应链的影响。针对不同中小企业的差异、结合供应链运行特点,构建了更加科学、完善的供应链金融服务中融资企业风险识别与评价体系,采用熵权法计算评价指标的权重集,采用模糊层次分析法确定隶属度函数,经案例验证,取得了理想的评价效果。

In the supply chain finance service, banks face in various types of small and medium-sized enterprises in supply chain. In order to evaluating supply chain finance risks reasonable, we should consider about not only the enterprise internal risks, but also the risks of enterprise external and the im-pact of supply chain. This paper according to the differences of small and medium enterprises, com-bined with the characteristics of supply chain, constructs the loan risk identification and evaluation sys-tem of supply chain finance. We use Entropy weight method to calculate the weight of evaluation vec-tors, and Fuzzy comprehensive evaluation method is used to determine the membership function. Through the example of verification, the system gets a good result.