基于供应链金融的中小企业信用风险评价研究

The Research of Small and Medium-sized Enterprise Credit Risk evaluation under Supply Chain Finance Model

供应链金融能够在一定程度上缓解中小企业的融资难题,而在此模式下的信用风险评价是中小企业获得融资支持的关键所在。本文在总结中外学者研究成果的基础上,提出了供应链金融模式下中小企业信用风险评价指标体系,建立logistic模型对信用风险进行评价,并和传统模式下的信用风险评估进行对比。最后,通过实证分析,证明了供应链金融模式能够有效地扩大授信范围,降低风险,从而在一定程度上可以缓解中小企业融资难的困境。

The Supply chain finance model can mitigatethe financing difficulties of SME to some extent, the creditrisk evaluation is the key to obtain financial support for SMEunder this model. On the basis of the research achievementsof Chinese and foreign scholars, this paper puts forward theevaluation index system of the credit risk of SME under supplychain finance model, establishing logistic model to evaluatecredit risk, and comparing the differences between supplychain finance model and traditional banking credit model.Finally, through empirical analysis, it is proved that the supplychain finance model can effectively expand the scope ofcredit, reduce the risk, and thus to some extentcan mitigate thefinancing difficulties of SME.