供应链金融模式下农业中小企业信用风险评价研究

Research on Credit Risk Evaluation of Agricultural Small and Medium-sized Enterprises under Supply Chain Finance Mode

对借款企业信用风险的评价是供应链金融模式开展的保障,也是供应链金融模式开展的保障。对此进行深入分析。首先,通过对该模式下农业中小企业的三种较为典型融资模式展开梳理;其次,将其中归纳出的存货质量情况等关键性指标用于信用风险评价体系的构建;最后借助主成分分析法和Fisher判别分析相结合的实证模型对研究的46家样本企业2019年度横截面数据进行信用风险水平的评价,为银行等金融机构防范和控制信用风险及其作出信贷决策提供理论参考。

The evaluation of the credit risk of borrowing companies is the key to credit risk management and the guarantee for the development of the supply chain finance model.Firstly,through sorting out the three more typical financing models of agricultural small and medium-sized enterprises under this model;secondly,using the key indicators such as inventory quality summarized in the model to construct the credit risk evaluation system;finally,with the help of principal component analysis and The empirical model combined with Fisher discriminant analysis evaluates the credit risk level of the cross-sectional data of 46 sample companies in 2019,and provides a theoretical reference for banks and other financial institutions to prevent and control credit risks and make credit decisions.