订单融资业务风险等级评价研究

发布时间：2018-04-24 23:39

本文选题：物流金融、订单融资 + 风险评价　；参考：《运筹与管理》2017年02期

【摘要】：订单融资是一种新兴融资方式,评定其风险等级具有重要意义。该文以"订单"为引线,分析不同阶段风险,构建了两阶段风险等级评价模型。风险评价分为两个阶段:第一阶段通过两个一级指标判断业务订单真实性。第二阶段构建了包括主体信用、质押率、订单履行能力、库存等的指标体系,并详细阐述了各种不同指标的测定方法,运用指数函数、余弦函数、幂函数等处理方法,将各类定量指标统一投影到0-10分;然后分别运用ANP法和AHP法确定各类指标权重,构建风险等级评价模型,将风险分为5个等级。该模型可以为金融机构贷款决策提供帮助,且该文提出的分段函数等定量指标归一化方法、结合实例介绍ANP法计算原理,对于其他学者均有参考价值。
[Abstract]:Order financing is a new financing method. It is very important to evaluate its risk level. Taking "order" as lead line, this paper analyzes the risk in different stages and constructs a two-stage risk rating evaluation model. The risk evaluation is divided into two stages: the first stage judges the authenticity of the business order through two primary indicators. In the second stage, an index system including principal credit, pledge rate, order fulfillment ability, inventory and so on is constructed, and the measurement methods of various indexes are described in detail, and the methods of processing, such as exponential function, cosine function, power function and so on, are described in detail. All kinds of quantitative indexes were projected to 0-10 points, and then ANP and AHP methods were used to determine the weight of each index, and a risk rating evaluation model was constructed, and the risk was divided into five grades. The model can be used to help financial institutions to make loan decisions, and the method of quantitative index normalization, such as piecewise function, is proposed in this paper. The calculation principle of ANP method is introduced by an example, which is of reference value to other scholars.
【作者单位】：广东工业大学管理学院;
【基金】：国家自然科学基金资助项目(71601053,71301030) 广州市哲学社基金(15Y31,2016GZDN12)
【分类号】：F274;F832.4

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