基于Z值及改进模型对医药制造业上市公司客户选择评价的研究

Research on Customer Selection Evaluation of Listed Pharmaceutical Manufacturing Companies Based on Z Value and Improved Model

医药制造行业是高技术密集的行业,具有高投入、高产出、高风险、高技术的特点,被国家作为重点产业。因行业发展速度较快,医药行业企业普遍需要信贷资金支持,商业银行对医药制造业行业客户选择的研究十分必要。论文采用Z值模型及Z值改进模型对2015-2019年国内168家上市医药公司的数据进行分析、研究,得知Z值改进模型更适用于医药制造业客户选择,并提出高度警惕高负债企业、加大创新型企业支持力度等5条医药制造业上市公司客户选择建议。

Pharmaceutical manufacturing industry is a high-tech intensive industry,with the characteristics of high investment,high output,high risk and high technology,and is regarded as a key industry by the state.Due to the rapid development of the industry,pharmaceutical industry enterprises generally need credit fund support,so it is very necessary for commercial banks to study the customer selection of pharmaceutical manufacturing industry.This paper uses Z value model and improved Z value model to analyze and study the data of 168 domestic listed pharmaceutical companies from 2015 to 2019.It is concluded that the improved Z value model is more suitable for customer selection in pharmaceutical manufacturing industry,and five suggestions on customer selection for listed pharmaceutical manufacturing companies,such as highly alert to high-debt enterprises and increasing support for innovative enterprises,are put forward.