基于供应链金融视角的供应链企业信用风险评级研究

Research on the Credit Risk Rating of Supply Chain Enterprises Based on the Perspective of Supply Chain Finance

基于财务视角,金融机构采用传统的信用评级模型往往无法正确评估中小企业的风险。论文将财务数据和供应商评级整合到供应链信用评级模型中,结果表明这种综合评级模式对所有利益相关者(供应商、经销商、金融机构和技术提供者)都具有预期收益,并分析了各相关利益者面临的挑战,以期促进整个供应链健康可持续发展。

From a financial perspective, the traditional credit rating model used by financial institutions often fails to accurately assess the risks of SMEs. In this paper, financial data and supplier rating are integrated into supply chain credit rating model, the results show that this comprehensive rating model has expected returns for all stakeholders (suppliers, distributors, financial institutions and technology providers). Challenges faced by various stakeholders are alo analyzed, so as to promote the healthy and sustainable development of the whole supply chain.