【摘要】：在中國特有的文化背景下,合理評估中小企業(yè)信用風(fēng)險對于解決中小企業(yè)融資難、融資貴問題具有現(xiàn)實意義。研究發(fā)現(xiàn),中小企業(yè)信用風(fēng)險評估模型由財務(wù)實力、管理實力、社會實力三個因子構(gòu)成,其中財務(wù)實力包括代表與企業(yè)財務(wù)報表有關(guān)的營利性、償債性、運營性評價的11個指標(biāo),管理實力包括代表企業(yè)管理制度與競爭能力的4個評價指標(biāo),社會實力包括代表企業(yè)社會關(guān)系資源與影響力的4個評價指標(biāo)。模型結(jié)果顯示一定的區(qū)分和預(yù)測能力,具有較高的信度和效度,較為全面地涵蓋了中小企業(yè)信用風(fēng)險評估的核心內(nèi)容。
[Abstract]:Under the unique cultural background of China, it is of practical significance to evaluate the credit risk of small and medium-sized enterprises in order to solve the problem of financing difficulties and expensive financing for small and medium-sized enterprises. It is found that the credit risk assessment model of small and medium-sized enterprises is composed of three factors: financial strength, management strength and social strength. The management strength includes 4 evaluation indexes representing the enterprise management system and competitive ability, and the social strength includes 4 evaluation indexes representing the resources and influence of enterprise social relations. The results of the model show that there is a certain ability to distinguish and predict, which has high reliability and validity, and comprehensively covers the core content of credit risk assessment of small and medium-sized enterprises.
【作者單位】： 對外經(jīng)濟貿(mào)易大學(xué)金融學(xué)院;中國銀行深圳市分行;
【分類號】：F832.4;F276.3

【共引文獻】

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