摘要
新零售市场发展是推动我国消费升级趋势的重要方面,完善供应链金融对新零售企业的融资助力和风险控制,在理论和实践层面均有重要的意义。因此,在新零售视角下分析了传统金融和供应链金融的融资模式和信用风险水平,利用Logistic模型分析30家开展新零售销售的中小企业样本,通过因子分析法预测关联于供应链金融信用风险的核心因素。研究结果表明,新零售类企业的比率因子、周转率因子以及核心信用因子显著正关联于其履约概率,是影响其信用风险的核心因素。供应链金融特征有效加成新零售企业信用,一定程度上降低了传统金融的融资门槛。
The development of new retail market is an important drive to the consumption upgrading in China.It is of great significance in both theory and practice to improve the role of supply chain finance as financing assistance and strengthen risk control in new retail enterprises.Therefore,the traditional finance and supply chain finance are compared and analyzed in terms of their financing modes and credit risks from the perspective of new retail.Thirty small and medium-sized enterprises of new retail sales are analyzed as samples in Logistic model.Factor analysis method is used to find out the core factors correlated with credit risk of supply chain finance.The results show that the ratio factor,turnover factor and core credit factor of new retail enterprises are positively correlated with their performance rate and are the core factors affecting their credit risk.The characteristics of supply chain finance effectively add to the credit of new retail enterprises,which lower the financing threshold that the traditional finance has to some extent.
作者
周红
ZHOU Hong(Chizhou Vocational and Technical College,chizhou,Anhui,247000,China)
出处
《武汉商学院学报》
2020年第2期34-37,共4页
Journal of Wuhan Business University
基金
安徽省高校人文社会科学研究项目(项目编号:SK2018A0875)。
