摘要
近年来,如何有效地对中小企业信用风险进行识别与控制,已经成为影响我国中小企业信贷融资、进一步做大做强的重要因素。为了更加科学准确地评估中小企业的信用风险,本文在研究现有商业银行、资信评估机构的信用风险评价指标体系的基础上,针对我国中小企业信用风险评估指标体系存在的问题,结合已有研究成果以及中小企业自身的特点,构建了这套科学完善的指标体系。
In recent years, how to identify and control effectively credit risk has became an important factor which influences credit financing of Chinese SMEs, and constrains thrie enlargement. In order to assess the SMEs credit risk more scientifically and accurately, this paper based on the study of the credit risk evaluation index system of commercial banks and credit rating agencies, concerning the existing problems of the SMEs credit risk evaluation index system, combining with SMEs characteristics, established the scientific and reliable index system.
出处
《西北师大学报（社会科学版）》
CSSCI
北大核心
2009年第4期129-132,共4页
Journal of Northwest Normal University(Social Sciences)
基金
湖南省人文社会科学研究基地"湖南大学信用研究中心"2007开放课题招标项目"我国中小企业信用担保的模式选择与制度构建研究"
西安交通大学"985工程Ⅱ期"项目(07200701)
关键词
中小企业
信用风险
指标体系
small and medium enterprises
credit risk
index system
