服务业小企业债信评价体系的建立

发布时间：2018-06-10 17:00

  本文选题：服务业 + 小企业　； 参考：《管理现代化》2017年04期

【摘要】：以1077笔服务业小企业的贷款数据为实证样本,通过Fisher score值遴选违约鉴别力强的指标,匹配系数—Fisher score值相结合删除信息冗余指标,基于指标的违约鉴别能力Fisher score值对指标赋权,建立了服务业小企业债信评价体系。实证表明:速动比率、抵质押担保因素等25个指标对服务业小企业债信评价具有显著的违约鉴别力。
[Abstract]:Taking the loan data of 1077 small enterprises in service industry as an empirical sample, the author selects the index with strong discriminant ability of default through score value, combines the matching coefficient -Fisher score value with deleting the redundant index of information, and gives weight to the index based on the score value of default identification ability of index. A credit evaluation system for small service enterprises was established. The empirical results show that 25 indexes, such as quick ratio and collateralized guarantee factor, have significant ability to judge the credit of small enterprises in service industry.
【作者单位】： 大连理工大学管理与经济学部;
【基金】：国家自然科学基金项目(71171031;71471027) 国家社科基金项目(16BTJ017)
【分类号】：F719;F832.4
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本文编号：2003946