基于分布式技术的供应链金融企业信用风险研究

Research on Credit Risk of Supply Chain Finance Enterprises Based on Distributed Technology

长期以来,在供应链金融业务中存在信息不对称、核心企业信用难以传递等问题,导致供应链整体资金匮乏,易引发供应链金融危机。本文从分布式技术和区块链视角出发,对供应链金融既有的信用风险来源进行探究,从可行性和需求性角度对供应链金融企业信用风险优化分析,构建了基于分布式技术的供应链金融企业信用风险评价指标体系,运用主成分分析和Logistic回归对供应链金融企业信用风险的影响因素进行评估分析,并提出信用风险防范的对策建议。

For a long time,there have been problems of information asymmetry and difficulty in transmitting credit of core enterprises in supply chain finance,leading to overall funding shortages and potential supply chain finance crises.The paper explores the existing sources of credit risk in supply chain finance from the perspective of distributed technology and blockchain,analyzes the feasibility and necessity of optimizing credit risk for supply chain finance enterprises,and constructs an index system for evaluating credit risk of supply chain finance enterprises based on distributed technology.Principal component analysis and logistic regression are used to evaluate the factors affecting credit risk of supply chain finance enterprises,and suggestions for credit risk prevention are proposed.