中小企业信用风险评估模型研究——以某国有控股上市银行为例
发布时间：2019-02-17 14:28
【摘要】：在中国特有的文化背景下,合理评估中小企业信用风险对于解决中小企业融资难、融资贵问题具有现实意义。研究发现,中小企业信用风险评估模型由财务实力、管理实力、社会实力三个因子构成,其中财务实力包括代表与企业财务报表有关的营利性、偿债性、运营性评价的11个指标,管理实力包括代表企业管理制度与竞争能力的4个评价指标,社会实力包括代表企业社会关系资源与影响力的4个评价指标。模型结果显示一定的区分和预测能力,具有较高的信度和效度,较为全面地涵盖了中小企业信用风险评估的核心内容。
[Abstract]:Under the unique cultural background of China, it is of practical significance to evaluate the credit risk of small and medium-sized enterprises in order to solve the problem of financing difficulties and expensive financing for small and medium-sized enterprises. It is found that the credit risk assessment model of small and medium-sized enterprises is composed of three factors: financial strength, management strength and social strength. The management strength includes 4 evaluation indexes representing the enterprise management system and competitive ability, and the social strength includes 4 evaluation indexes representing the resources and influence of enterprise social relations. The results of the model show that there is a certain ability to distinguish and predict, which has high reliability and validity, and comprehensively covers the core content of credit risk assessment of small and medium-sized enterprises.
【作者单位】： 对外经济贸易大学金融学院;中国银行深圳市分行;
【分类号】：F832.4;F276.3
[Abstract]:Under the unique cultural background of China, it is of practical significance to evaluate the credit risk of small and medium-sized enterprises in order to solve the problem of financing difficulties and expensive financing for small and medium-sized enterprises. It is found that the credit risk assessment model of small and medium-sized enterprises is composed of three factors: financial strength, management strength and social strength. The management strength includes 4 evaluation indexes representing the enterprise management system and competitive ability, and the social strength includes 4 evaluation indexes representing the resources and influence of enterprise social relations. The results of the model show that there is a certain ability to distinguish and predict, which has high reliability and validity, and comprehensively covers the core content of credit risk assessment of small and medium-sized enterprises.
【作者单位】： 对外经济贸易大学金融学院;中国银行深圳市分行;
【分类号】：F832.4;F276.3
【共引文献】
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