我国中小微企业信用评价研究现状与发展趋势

Research Status and Development Trend of Credit Evaluation of Micro,Small and Medium-sized Enterprises in China

当前中小微企业信用评价成为学者们的研究热点。通过文献检索,运用CiteSpace软件,分析我国中小微企业信用评价研究现状与趋势和信用评价模型构建方法及相关问题,并从实际应用角度探讨我国中小微企业信用评价的发展趋势。研究发现,我国中小微企业信用评价的研究热度呈增长趋势,信用评价指标体系的构建从企业自身因素扩展到企业外部环境,且逐渐与供应链、大数据相结合;信用评价模型构建的方法涉及指标筛选、指标赋权和信用等级确定这三个方面,实际应用中与大数据相结合会成为未来发展趋势。

At present, the credit evaluation of micro, small and medium-sized enterprises has become a research hotspot of scholars. Through literature retrieval and CiteSpace software, this paper analyzes the research status and trend of credit evaluation of micro, small and medium-sized enterprises in China, as well as the construction method of credit evaluation model and related issues, and discusses the development trend of credit evaluation of micro, small and medium-sized enterprises in China from the perspective of practical application.It is found that the research heat of credit evaluation of micro, small and medium-sized enterprises in China is showing an increasing trend, and the construction of credit evaluation index system extends from the enterprise’s own factors to the external environment of the enterprise, and is gradually combined with the supply chain and big data;the method of constructing credit evaluation model involves three aspects: index screening, index weighting and credit rating determination, and the combination with big data will become the future development trend in practical application.