供应链金融下农业中小企业信用风险影响因素研究

Research on the Influencing Factors of Credit Risk of Agricultural Small and Medium-Sized Enterprises under Supply Chain Finance

基于2015—2021年的新三板农业中小企业数据,通过Logistic-ISM模型分析影响供应链金融下农业中小企业信用风险的因素及因素间的关联关系和层级结构。基于此,得出研究结论:供应链金融下农业中小企业信用风险的表层因素为员工总数、销售净利率、资产负债率、总资产增长率和净利润增长率,中层影响因素为流动资产周转率、应收账款周转天数,深层影响因素为速动比率。为降低农业中小企业所面临的供应链金融信用风险提出以下建议:要加强政府引领和政策指导,加强供应链条的稳定性,提高农业中小企业综合实力。

Based on the new third board agricultural small and medium-sized enterprises(SMEs)data from 2015 to 2021,the Logistic-ISM model was used to analyze the factors that affect the credit risk of agricultural SMEs under supply chain finance,and the relationship and hierarchical structure of these factors.Based on this,the conclusion was drawn.The surface factors of the credit risk of agricultural SMEs under supply chain finance were the total number of employees,net sales interest rate,asset-liability ratio,total asset growth rate and net profit growth rate.The middle-level influencing factors were the current asset turnover rate and accounts receivable turnover days.And the underlying factor was the quick ratio.In order to reduce the supply chain financial credit risk faced by agricultural SMEs,the following suggestions were put forward,e.g.,to strengthen government leadership and policy guidance,to strengthen the stability of the supply chain,and to improve the comprehensive strength of agricultural SMEs.