基于供应链金融的汽车行业上市公司信用风险实证研究

Empirical Study on the Credit Risk of Supply Chain Finance Based on Logistic Model of Automobile Listed Companies

供应链金融,在传统的信贷模式基础上,将核心企业与供应链上下游的多个中小企业联系起来,为其解决融资难的问题。文章从融资企业状况、核心企业状况、供应链状况三个大的方面构建了中小企业信用风险评价体系。选取了30家汽车行业中小型上市公司,利用因子分析法以及Logistic回归分析对其信用风险进行评价、验证,得出结论,提出改进建议,对供应链金融信用风险评估提供了有效的解决方法。

Supply chain finance, based on the traditional credit model, link up the core enterprises and several of the supply chain upstream and downstream small enterprises to solve the financing diffieuhies. This paper designs the credit risk evaluation system from thee aspects： the financing enterprise condition, the core enterprise condition and the supply chain condition. This paper selects thirty small and medium-sized listed companies from automobile industry, uses the method of factor analysis and logistic regTession analysis to evaluate the credit risk, verify and draw the conclusion. In the end, this paper puts forward some suggestions to improve the accuracy of credit risk assessment.