摘要
供应链金融整合了物流、信息流、资金流,在缓解中小企业融资过程中面临难题的同时,也对商业银行信用风险管理提出了更高要求。本文基于济南实践分析了供应链金融融资模式及风险点,在此基础上,提出了一种更为完善的风险评价指标体系,并运用因子分析和Logistic模型进行实证研究发现,在多维度采集中小企业数据的基础上,关注供应链稳定程度及核心企业特点,提高商业银行全流程风险监控水平,有利于供应链金融健康发展。
Supply chain finance integrates logistics,information stream and capital flow,which can alleviate the difficulties faced by the small and medium-sized enterprises in the process of financing,and it also presents higher requirements for the credit risk management of commercial banks.Based on the relevant practices in Jinan,this paper conducts an analysis of financing models and risk points of supply chain and proposes a more sophisticated risk evaluation index system.Through the empirical study by using factor analysis and Logistic model,it is found that keeping a watchful eye on the stability level of the supply chain and the core characteristics of the enterprises can promote the allprocedure risk monitoring level of the commercial banks based on the multidimensional collection of the data of SMEs,which is conducive to the sound development of supply chain finance.
作者
郑昱
张凯夕
Zheng Yu;Zhang Kaixi(Business Management Department,PBC Jinan Branch,Jinan 250021,Shandong,China;Shanghai University of Finance and Economics,Shanghai 200433,China)
出处
《金融发展研究》
北大核心
2020年第10期45-51,共7页
Journal Of Financial Development Research
关键词
供应链金融
风险评价
履约概率
supply chain finance
risk evaluation
probability of performance
