基于AHP和DEA的科创型中小企业信用评价研究

Research on the Credit Evaluation of Science and Technology SMEs Based on AHP and DEA

我国科创型中小企业普遍缺乏抵押性资产,融资难度大。为减少金融机构与企业之间的信息不对称,提高科创型中小企业的融资能力,构建一套科学、合理的信用指标评价体系显得尤为重要。综合考虑企业的信用状况和经营状况,利用AHP模型计算企业信用评价得分,运用DEA-BCC模型测算企业经济状况得分,综合两者结果构建象限分布图,用来综合评价企业的信用情况。

China's science and technology SMEs generally lack collateral assets,making financing difficult.In order to reduce the information asymmetry between financial institutions and enterprises,and improve the financing capacity of science and technology SMEs,it is particularly important to build a scientific and reasonable credit index evaluation system.This article comprehensively considers the company's credit status and operating status,uses the AHP model to calculate the company's credit evaluation score,and uses the DEA-BCC model to calculate the company's economic status score,and combines the results to build a quadrant distribution chart to evaluate the company's overall credit situation.