基于梯形模糊数的供应链金融信用风险评价
发布时间：2019-01-03 08:40
【摘要】：供应链金融是近些年新兴的事物，它是以核心企业为中心，通过对上游及下游中小企业物流和资金流的管理，改变以往控制单个企业风险为视供应链上企业为一整体，加以考核其风险。随着银行同业竞争的不断加剧，银行逐渐的重视并积极开展中小企业信贷融资业务，使得供应链金融模式得到了大力推动。尤其是2008年金融危机过后，供应链融资模式更是得到了蓬勃发展，大型物流公司和银行都大力的开展这项业务，以此来拓宽盈利渠道。 本论文从管理学和经济学的角度，对供应链金融及其风险问题进行研究，深入探讨供应链金融信用风险评价问题。在本论文中，通过对供应链金融及其融资模式的介绍，阐述了融资过程中将面临的风险问题；接下来研究供应链金融中信用风险评价的指标选择以及体系构建。最后，建立基于梯形模糊数的供应链金融信用风险评价模型，通过实证分析，验证了该方法的可行性，并对供应链金融信用及其信用风险评价提出了建议。 研究供应链金融信用风险能够从全局出发，不仅仅考察融资企业自身的财务状况、资信情况，并且综合评价融资企业所在的供应链以及与这条供应链进行交易的风险，，最后决定是否对中小企业授信。供应链金融在国内起步较晚，今后还有很大的发展空间，未来的研究可以对供应链金融的信用风险评价模型做进一步的优化，细分评价指标，进而提高判断准确率。
[Abstract]:Supply chain finance is a newly emerging thing in recent years. It takes the core enterprise as the center, through the management of the upstream and downstream small and medium-sized enterprises' logistics and capital flow, it changes the control of the single enterprise's risk to regard the enterprise in the supply chain as a whole. Assess the risks. With the intensification of interbank competition, banks gradually attach importance to and actively carry out credit financing business of small and medium-sized enterprises, which makes the supply chain finance model greatly promoted. Especially after the 2008 financial crisis, the supply chain financing model has been booming, large logistics companies and banks are vigorously carrying out this business to broaden the profit channels. From the angle of management and economics, this paper studies the supply chain finance and its risk, and probes into the credit risk evaluation of supply chain finance. In this paper, through the introduction of supply chain finance and its financing mode, the paper expounds the risk problems that will be faced in the process of financing. Then, it studies the index selection and system construction of credit risk evaluation in supply chain finance. Finally, the credit risk evaluation model of supply chain finance based on trapezoidal fuzzy number is established, and the feasibility of this method is verified by empirical analysis, and some suggestions are put forward for the evaluation of supply chain financial credit and its credit risk. The study of supply chain financial credit risk can proceed from the overall situation, not only to investigate the financial situation and credit situation of the financing enterprise itself, but also to comprehensively evaluate the supply chain in which the financing enterprise is located and the risk of transaction with the supply chain. Finally decide whether to grant credit to small and medium-sized enterprises. The supply chain finance starts late in our country, and there is much room for development in the future. The future research can further optimize the credit risk evaluation model of supply chain finance, subdivide the evaluation index, and then improve the accuracy of judgment.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F274;F830.5
本文编号：2399149
[Abstract]:Supply chain finance is a newly emerging thing in recent years. It takes the core enterprise as the center, through the management of the upstream and downstream small and medium-sized enterprises' logistics and capital flow, it changes the control of the single enterprise's risk to regard the enterprise in the supply chain as a whole. Assess the risks. With the intensification of interbank competition, banks gradually attach importance to and actively carry out credit financing business of small and medium-sized enterprises, which makes the supply chain finance model greatly promoted. Especially after the 2008 financial crisis, the supply chain financing model has been booming, large logistics companies and banks are vigorously carrying out this business to broaden the profit channels. From the angle of management and economics, this paper studies the supply chain finance and its risk, and probes into the credit risk evaluation of supply chain finance. In this paper, through the introduction of supply chain finance and its financing mode, the paper expounds the risk problems that will be faced in the process of financing. Then, it studies the index selection and system construction of credit risk evaluation in supply chain finance. Finally, the credit risk evaluation model of supply chain finance based on trapezoidal fuzzy number is established, and the feasibility of this method is verified by empirical analysis, and some suggestions are put forward for the evaluation of supply chain financial credit and its credit risk. The study of supply chain financial credit risk can proceed from the overall situation, not only to investigate the financial situation and credit situation of the financing enterprise itself, but also to comprehensively evaluate the supply chain in which the financing enterprise is located and the risk of transaction with the supply chain. Finally decide whether to grant credit to small and medium-sized enterprises. The supply chain finance starts late in our country, and there is much room for development in the future. The future research can further optimize the credit risk evaluation model of supply chain finance, subdivide the evaluation index, and then improve the accuracy of judgment.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F274;F830.5
【参考文献】
相关期刊论文 前10条
1 夏立明;宗恒恒;孟丽;;中小企业信用风险评价指标体系的构建——基于供应链金融视角的研究[J];金融论坛;2011年10期
2 张浩;;基于供应链金融的中小企业信用评级模型研究[J];东南大学学报(哲学社会科学版);2008年S2期
3 王利明;;试论动产抵押[J];法学;2007年01期
4 李毅学;;基于金融系统工程的物流金融风险识别分析[J];华东经济管理;2011年10期
5 赵忠;李波;;基于模糊层次分析法的供应链金融信用风险评价[J];河南科学;2011年01期
6 白少布;;供应链融资企业信用水平模糊综合评价[J];经济经纬;2011年05期
7 张瑶瑶;汤兵勇;;供应链融资信用风险评价体系研究与应用[J];经济师;2011年08期
8 于宏新;;供应链金融的风险及防范策略[J];经济研究导刊;2010年20期
9 徐华;;供应链金融融资模式的风险分析与防范[J];金融经济;2009年10期
10 杨海平;冯敏;乔璐;;基于银行视角的供应链金融小微企业信用评价体系研究[J];华北金融;2012年05期
本文编号：2399149
本文链接：https://www.wllwen.com/guanlilunwen/huobilw/2399149.html
