浅析废旧金属再利用行业小微企业的信用风险评估

Analysis of Credit Risk Assessment of Small and Micro Enterprises in Scrap Metal Recycling Industry

论文首先分析了一些银行对废旧金属再利用型小微企业信用风险评估指标的非针对性,该非针对性直接导致了近50%优质废旧金属再利用型小微企业的信用等级过低;接着提出了银行评估废旧金属再利用型小微企业时要根据该类企业的行业特点,有针对性的重点考察存货价值、现金流量等关键指标等建议,随后又提出结合现金流量指标构建CFa R(Cash Flowat Risk)模型的建议;最后,基于我国当前严峻的环境危机以及该类行业的环保价值,建议政府为该类企业设立信用风险补偿金和给予财政性担保。

This paper firstly analyzes the bank’s non-targeted credit risk evaluation index of the scrap metal recycling small and micro enterprises, which directly led to nearly 50 % high-quality scrap metal recycling small and micro enterprises get the low credit rating.Then the paper puts forward the suggestion that when the banks is assessing the scrap metal reuse small and micro enterprises, banks should focus on the key indicators such as inventory value, cash flow and other key indicators according to the industry characteristics of such enterprises.Next bring up constructing CFa R（Cash Flow at Risk） model combined with cash flow index. Finally, based on the current severe environmental crisis in China and the environmental value of such industries, it is suggested that the government should establish credit risk compensation and financial guarantees for such enterprises.