供应链金融模式下中小企业融资问题分析——以44家农业中小企业为例

Analysis of the Financing Problems of SMEs Under the Supply Chain Finance Model——An Example Based on 44 SMEs in China

供应链金融模式下,商业银行等金融机构可从产业链整体视角评估农业中小企业的信用风险,从而有效降低银行的交易成本、提高农业中小企业的获得贷款水平.论文以44家农业中小企业为例,采用Logistic回归方法,整理农业中小企业信用风险评估指标,收集企业财务数据及供应链金融因子,构建信用风险预警模型并分析出具有显著影响的指标.结果表明:企业的偿债能力、营运能力、每股指标及供应链发展能力因素对农业中小企业信用评级情况具有显著影响,供应链金融模式可以作为农业中小企业信贷风险评估的有效工具.

Under the supply chain finance model,commercial Banks and other financial institutions can evaluate the credit risks of agricultural SMEs from the overall perspective of the industrial chain,so as to effectively reduce the transaction costs of Banks and improve the credit capacity of agricultural SMEs..This article takes agricultural SMEs as an example,adopts the logistic regression method,Collate credit risk assessment indicators of small and medium-sized agricultural enterprises,collect enterprise financial data and supply chain financial factors,and builds a credit risk assessment model for agricultural SMEs based on their own characteristics.The results show that the credit rating of agricultural SMEs is significantly affected by the company’s cash flow capacity,operating capacity,and per share indicators.Supply chain finance model can be used as an effective tool for credit risk assessment of small and mediumsized agricultural enterprises.