可持续发展下中小企业供应链融资决策模型研究

Research on Financing Decision Model of Small and Medium-sized Enterprises Supply Chain under Sustainable Development

随着经济的迅猛发展,中小企业之间的竞争不断加剧。在供应链金融背景下,商业银行作为中小企业的主要融资渠道,要求其从新的视角对企业信用风险进行分析与评价。现阶段大多评估体系都是以经济效益作为唯一标准,缺乏对企业可持续发展整体考量。本文从可持续发展视角出发,从经济、环境、社会三方面确定了中小企业供应链融资决策的评估指标,将三角模糊数与TOPSIS 相结合提出模糊TOPSIS 模型对中小企业发展现状做出客观评估,进而帮助商业银行做出合理科学的投资决策。

With the rapid development of economy, the competition among small and medium-sized enterprises is intensifying. Under the background of supply chain finance, commercial banks, as the main financing channel for small and medium-sized enterprises, are required to analyze and evaluate enterprise credit risks from a new perspective. At present, most evaluation systems take economic benefits as the sole criterion and lack the overall consideration for the sustainable development of enterprises. From the perspective of sustainable development, this paper determines the evaluation index of SMEs' supply chain financing decision from three aspects of economy, environment and society, and combines triangular fuzzy number with TOPSIS to propose fuzzy TOPSIS model to make objective evaluation of SMEs' development status, thus helping commercial banks to make reasonable and scientific investment decisions.