摘要
文章在供应链视角下,对中小企业信贷风险中财务和非财务指标同时进行衡量,建立了一套中小企业信用风险评价指标体系,采用探索性因子分析和结构方程模型的验证性分析方法建立了供应链下的中小企业信用风险评价模型,并对该模型进行了有效的验证,证明模型的可靠性和有效性。同时,进一步通过结构方程各观测变量指标的标准化回归系数,计算和确定评价指标的权重矩阵,运用灰色综合评价方法,有效地对供应链下的中小企业信用风险进行了评估,帮助银行选择出最佳授信对象,优化选择信贷决策。该方法解决了评估权重的主观性、大样本受限等问题,评估结果更科学合理。
From the perspective of supply chain, credit risk evaluation index system of SMEs is established in the article with the financial and non-financial measured indicators, and the SMEs credit risk evaluation model is established and validated by exploratory factor analysis and SEM analysis method. It is proved that the model is reliable and effective. At the same time, the article further calculates and determines the weight matrix of evaluation index system by each of the observed indicator variables were standardized regression coefficients in SME analysis, and evaluates effectively the SMEs credit risk by the grey comprehensive evaluation method to help banks to choose the best credit custom, and optimize the selection of credit decision-making. The method solves the problems of subjective and limited size of large sample, and the evaluation results are more scientific and reasonable.
出处
《技术经济与管理研究》
CSSCI
北大核心
2016年第12期14-19,共6页
Journal of Technical Economics & Management
基金
辽宁省经济社会发展立项课题(2016lslktziglx-11)
关键词
中小企业
信用风险
供应链
金融管理
Small and medium-sized enterprises（SMEs）
Credit risk
Supply chain
Financial management
