建立基于应收账款的民参军企业授信增信体系研究

A Study on the Issue of Establishing Credit System for Civil-Invested Military Enterprises Based on Accounts Receivable

现有授信方式导致的"信用歧视"是民参军企业融资难问题的根源,通过基于应收账款规模提升授信额度、基于应收账款周转速度提升信用评级、基于应收账款资产证券化提升融资能力,重构金融系统与民参军企业之间的信用关系,可以有效消除"信用歧视",解决民参军企业融资难题。因此,要以满足民参军企业融资需求为目标,充分运用金融科技手段,创新融资机制,打造基于应收账款的民参军企业授信增信体系。

The"credit discrimination"caused by the existing credit granting method is the root that leads to the financing difficulties of the civil-invested military enterprises.By increasing the credit line based on the size of accounts receivable,improving the credit rating based on the turnover rate of accounts receivable,and improving the financing ability based on the securitization of accounts receivable assets,it is effective to reconstruct the credit relationship between the financial system and the civil-invested military enterprises and eliminate"credit discrimination"as well as solve the financing problems of the civil-invested military enterprises.Therefore,in order to meet the financing needs of the civil-invested military enterprises,we should make full use of financial technology and innovative financing mechanisms to create a credit-granting and credit-increasing system for civil-invested military enterprises based on accounts receivable.