基于结构方程模型的供应链金融下中小企业信用风险评价研究

发布时间：2018-07-02 13:00

本文选题：供应链金融 + 中小企业　；参考：《浙江理工大学》2017年硕士论文

【摘要】：中小企业是我国市场经济的重要组成部分,却因固定资产少、信用等级低、财务信息不透明等原因陷入融资困境。而银行又缺乏一套中小企业信用风险评价体系,无法评估中小企业信用风险状况,导致中小企业融资难题难以解决。供应链金融(Supply Chain Finance,SCF)能够准确评估中小企业的信用风险,降低银行信贷风险,有效解决了中小企业融资难题。因此,构建一套供应链金融下中小企业信用风险评价体系势在必行。首先,本文系统阐述了供应链金融的概念、模式以及与传统融资模式的区别,对比分析了传统信用评价方法与现代信用评价方法的优缺点,之后对信用风险的特征、评价方法以及评价模型进行了归纳与总结。其次,从银行角度出发,根据供应链金融模式的特点,分析中小企业信用风险的影响因素,并结合指标体系的设计原则,构建供应链金融下中小企业信用风险指标体系。进一步,设计调查问卷,对收集的数据进行统计分析、信度分析以及效度分析。同时利用结构方程模型进行检验,计算各指标信用风险影响程度以及指标权重,确定供应链金融下中小企业信用风险评价体系。最后,以常州市J家具公司为例,利用本文构建的供应链金融下中小企业信用风险评价体系对J公司的信用风险进行评估,结论验证了供应链金融下中小企业信用风险评价体系的可行性。
[Abstract]:Small and medium-sized enterprises (SMEs) are an important part of market economy in our country, but they fall into financing difficulties due to the lack of fixed assets, low credit rating and opaque financial information. But the bank lacks a set of small and medium-sized enterprises credit risk appraisal system, cannot evaluate the small and medium-sized enterprise credit risk condition, causes the small and medium-sized enterprise financing difficult problem to solve. Supply chain Finance (SCF) can accurately evaluate the credit risk of SMEs, reduce the credit risk of banks, and effectively solve the financing problem of SMEs. Therefore, it is imperative to construct a set of credit risk evaluation system for SMEs under supply chain finance. First of all, this paper systematically expounds the concept, mode and difference between the supply chain finance and the traditional financing mode, compares the advantages and disadvantages between the traditional credit evaluation method and the modern credit evaluation method, and then analyzes the characteristics of the credit risk. The evaluation method and evaluation model are summarized and summarized. Secondly, from the perspective of banks, according to the characteristics of supply chain finance model, this paper analyzes the influencing factors of SMEs' credit risk, and constructs the SME credit risk index system under the supply chain finance combined with the design principle of the index system. Furthermore, the questionnaire was designed to analyze the collected data statistically, reliability and validity. At the same time, the credit risk evaluation system of small and medium-sized enterprises under supply chain finance is determined by using structural equation model to test and calculate the influence degree and index weight of each index credit risk. Finally, taking Changzhou J Furniture Company as an example, using the credit risk evaluation system of small and medium-sized enterprises under the supply chain finance, this paper evaluates the credit risk of J Company. The conclusion verifies the feasibility of the credit risk evaluation system of small and medium-sized enterprises under supply chain finance.
【学位授予单位】：浙江理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F276.3;F275

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