民营企业信贷能力评价指标体系构建--基于广东省12个行业与300家企业的调研问卷

Construction of Evaluation Index System for Credit Ability of Private Enterprises--Based on the experience data of 12 industries and 300 enterprises in Guangdong Province

结合国务院常务会议最新提出的"支持有市场、有前景、技术有竞争力的民营企业融资"政策出发,通过调研、专家访谈、问卷调查等方式,运用层次分析法对民营企业信贷能力评价进行模型构建,并以广东省为例,进行模型设计.研究结果显示,民营企业获得银行贷款,最重要是做好企业产品,在经营过程中重视企业本身的各项信用记录,如纳税信用等.此评价指标体系也可作为银行业放贷的重要参考,加强信贷扶持民营企业的效果.

Based on the latest policy of"supporting the financing of private enterprises with market,prospects and technological competitiveness, put forward by the executive meeting of the State Council,this paper uses analytic hierarchy process(AHP) to construct a model for evaluating the credit capacity of private enterprises by means of investigation,expert interviews and questionnaires,and takes Guangdong Province as an example to carry out the model.Design.The results show that the most important thing for private enterprises to obtain bank loans is to do well in enterprise products and pay attention to their own credit records,such as tax credit.This evaluation index system can also be used as an important reference for banking lending to strengthen the effect of credit support for private enterprises.