客户集中度与供应链金融信用风险——基于中小企业板制造业上市公司的实证研究

Customer Concentration and Financial Credit Risk in Supply Chain——An Empirical Study Based on the Listed Companies of SME Board Manufacturing Industry

基于信用风险管理理论,选择对中小板中49家制造企业样本进行因子分析与logistic模型回归,通过对比加入客户集中度这一因变量前后的预测效果,得出客户集中度对logistic模型预测准确度有显著提升作用,即客户集中度越高,供应链金融业务信用风险越低,为供应链金融中的信用风险控制提供指导意义。

Based on credit risk management theory,this paper conducts factor analysis and Logit model regression through the 49 samples of manufacturing enterprises in medium and small-sized board. By comparing the prediction effect before and after adding the variable of customer concentration,it draws conclusion that customer concentration has a significant lifting effect upon Logit model prediction accuracy,i. e. the higher degree of customer concentration,the lower credit risk of supply chain finance business,which is helpful to the risk control in supply chain.