基于ISM-MICMAC的建筑供应链金融信用风险影响因素研究

Research on Factors Influencing Credit Risk of Construction Supply Chain Finance Based on ISM-MICMAC

供应链金融的应用模式契合建筑行业的特点,能够有效解决建筑企业融资约束等问题,但供应链金融发展中存在的信用风险问题不容忽视。在文献研究和专家访谈基础上修正确定影响建筑供应链金融信用风险的20项因素,通过解释结构模型确认各因素间的逻辑关系,并采用MICMAC方法验证分析。得出结论:建筑供应链金融信用风险影响因素的递阶结构模型涵盖7个层级,层次可划分为表层、中层和深层;基于驱动力—依赖性数值得出影响建筑供应链金融信用风险的自发因素群、依赖因素群、独立因素群,对影响因素之间的关系进行了剖析,研究结果对供应链金融信用风险应对具有参考价值。

The application model of supply chain finance is in line with the characteristics of the construction industry and caneffectively solve problems such as financing constraints for construction enterprises.However,the credit risk issues that exist in thedevelopment of supply chain finance are often neglected.This study identifies 20 factors that affect the credit risk of constructionsupply chain finance based on existing research and expert interviews,confirms the logical relationship between these factorsthrough explanatory structural models,and conducts validation analysis using the MICMAC method.The results show that thehierarchical structure model of credit risk influencing factors in construction supply chain finance included seven levels,which canbe divided into surface,middle,and deep levels.Based on the driving force dependency values,the spontaneous factor group,dependent factor group,and independent factor group that affect the credit risk of construction supply chain finance were obtained.The relationship between the influencing factors was analyzed,and the research results have references value for the response tocredit risk in supply chain finance.