摘要
在互联网、大数据时代背景下,电商供应链金融规模不断扩大,但同时也伴随着风险。本研究基于B2B电商供应链金融模式下,分析了当前融资企业信用风险评价指标选取存在的不足,提出信用风险评价指标选取的基本原则,并借鉴信用评级机构与我国金融机构对授信企业信用风险评价指标的选取,对B2B电商供应链金融模式下融资企业信用风险评价指标体系进行重构,以期为电商供应链金融信用风险评价提供参考,进一步降低融资企业信用风险,促进供应链金融业务持续健康发展。
In the era of Internet and big data,the scale of e-commerce supply chain finance is expanding,but it is also accompanied by risks.Based on the B2B e-commerce supply chain finance mode,this paper analyzes the shortcomings of the current selection of credit risk evaluation indexes of financing enterprises,puts forward the basic principles of the selection of credit risk evaluation indexes,and uses the selection of credit risk evaluation indexes of credit rating institutions and Chinese financial institutions for reference to reconstruct the credit risk evaluation index system of financing enterprises under the B2B e-commerce supply chain finance mode,It is expected to provide reference for e-commerce supply chain financial credit risk evaluation,further reduce the credit risk of financing enterprises and promote the sustainable and healthy development of supply chain financial business.
作者
张其慧
杭波
Zhang Qihui;Hang Bo(Zhejiang changzheng Vocational and Technical College,Hangzhou,310023;Zhongchan Zhongda Yunshang Co.,Ltd.,Hangzhou 310023)
出处
《北方经贸》
2023年第4期89-92,共4页
Northern Economy and Trade
基金
2021年度浙江省高等学校国内访问工程师校企合作项目(FG2021301)。
关键词
B2B
供应链金融
信用风险
评价指标
B2B
Supply chain finance
credit risks
evaluating indicator
