成长型科技创业企业的信用评价研究

Credit Evaluation of the Growth-type Technology Start-ups

创业企业经常受到外部的融资约束,对成长型科技创业企业尤其严重。因此,构建成长型科技创业企业的信用评价指标体系和模型非常必要。文章基于企业的动态财务数据,并将企业的成长与创新能力作为重要的评价指标,应用Logistic回归方法,提出了成长型科技创业企业的信用评价模型和方法,来动态评价企业的信用状况。通过模型比较和检验,证明其评价准确度较高。

Start-ups are often subject to external financing constraints, this phenomenon is especially serious for growth technology start-ups enterprises. Therefore, the credit evaluation index system and model building of growth-type technology start-ups are necessary. Based on the dynamic financial data, this paper took the growth and innovation capability of enterprises as important indicators of the evaluation, and used logistic regression to present a growth technology start-ups enterprise credit evaluation model and method to dynamically evaluate the credit situa- tion. Comparing and testing by the model, it proved the higher accuracy of the evaluation.