供应链金融视角下农业中小企业融资模式及信用风险研究

发布时间：2018-01-12 13:17

本文关键词：供应链金融视角下农业中小企业融资模式及信用风险研究　出处：《农业技术经济》2017年09期 　论文类型：期刊论文

【摘要】：农业中小企业发挥着推动农业产业化的重要作用,在当前流动性不足的背景下,农业中小企业面临融资困境。本文在供应链金融视角下分析了三种典型农业中小企业融资模式,构建Logistic模型,以农业类中小企业为例,利用因子分析方法对供应链金融信用风险进行有效预测。结果表明:农业中小企业融资企业偿债和现金流情况、获利能力以及供应链运作情况与其履约概率呈正相关,与银行所承担的信用风险呈负相关。经检验,该模型在预测农业中小企业融资风险方面准确性较高。
[Abstract]:Small and medium-sized agricultural enterprises play an important role in promoting agricultural industrialization, in the context of the current lack of mobility. Agricultural SMEs are facing financing difficulties. This paper analyzes three typical financing models of agricultural SMEs from the perspective of supply chain finance, and constructs Logistic model, taking agricultural SMEs as an example. The factor analysis method is used to predict the credit risk of supply chain finance effectively. The result shows that the debt service and cash flow of the financing enterprises of small and medium-sized agricultural enterprises are paid off effectively. The profitability and supply chain operation are positively correlated with the performance probability and negatively correlated with the credit risk borne by the bank. The model is proved to be more accurate in predicting the financing risk of small and medium-sized agricultural enterprises.
【作者单位】：南京农业大学金融学院;
【分类号】：F324;F832.43
【正文快照】： 一、引言目前,我国农业产业化、规模化发展加速了农业现代化进程,同时也催生出多元化的金融需求。无论是从直接融资还是间接融资的角度,农业中小企业均面临诸多困境,具体表现为:农业中小企业内部环境易受外部冲击、财务状况不佳及缺失抵押品;外部环境面临融资渠道单一、我国

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