基于多维动态空间结构的中小企业信用评估研究

Credit risk Evaluation of Small and Medium Sized Enterprises based on Cross DEA-Tobit Model

与大型企业相比,我国中小企业失信违规行为时有发生,研究中小企业的信用风险对促进我国中小企业的健康发展具有重要意义。因此,引入信用空间维度等概念,对于中小企业信用风险的空间维度与动态性进行研究。在信用空间的基础上,结合DEA交叉模型,构造了偏序结构下的同等级中小企业的信用风险评价模型。研究表明,该模型能较好的对各中小企业的信用风险等级进行评估,对科技型中小企业的信用风险的探究具有一定的应用价值。

Compared with large enterprises,the credit risk of small and medium-sized enterprises （SMEs） is very important to promote the healthy development of small and medium-sized enterprises.Therefore,the concept of credit space dimension is introduced,and the spatial dimension and dynamic of credit risk of small and medium enterprises are studied.On the basis of credit space,combined with DEA cross model,the credit risk evaluation model of the same level of small and medium enterprises under partial order structure is constructed.The research shows that the model can evaluate the credit risk level of small and medium-sized enterprises,and it has certain application value to the credit risk of small and medium-sized enterprises.