摘要
针对山西省煤炭企业融资困难的问题,保险公司开发信用保险贷款能够有效促进煤炭企业融资需求。而信用保险作为新的融资模式在为银行带来利润的同时也为银行带来新的风险。采用模糊层次分析法对山西省煤炭企业供应链融资服务的主要风险进行定量分析,从实证结果看供应链风险因素、煤炭企业因素是两大主要风险因素。应警惕来自煤炭融资企业的风险,合理规避来自供应链信息不对称的风险,加强管理人员的风险监控作用。这有助于银行采取有效措施预防、化解各种风险,对于实际中信用保险供应链金融业务的开展有很强的现实指导意义。
Credit insurance loan developed by insurance companies could effectively help overcome the financing difficulty of coal enterprises in Shanxi province. However, credit insurance brings about profit to banks together with risks. Risks of supply chain financing services of coal enterprises in Shanxi province were analyzed with the fuzzy analytical hierarchy process. The result proves that supply chain factor and coal enterprise factor are two major risk factors. To keep alert about risks from coal financing enterprises, avoid risks caused by asymmetric information in the supply chain and to enhance risk supervision could help banks take effective measures to prevent risks in offering financing services in the supply chain credit insurance.
出处
《商业经济》
2017年第6期146-150,共5页
Business & Economy
基金
国家自然科学基金青年科学基金项目(71402112)
教育部人文社会科学研究青年基金项目(14YJCZH153)
山西省高校哲学社会科学研究项目(2014247)
关键词
信用保险
银行
融资风险
风险评价
山西省煤炭企业
credit insurance, bank, financing risk, risk assessment, coal industry in Shanxi
