基于资信评估路径的中小企业金融担保风险识别研究——兼论中小企业资信评估系统的科学性建构  

Risk Recognition in SME Financial Guarantee based on Credit Assessment Approach

作　　者：顾海峰[1] 

机构地区：[1]东华大学旭日工商管理学院金融系,上海200051

出　　处：《上海金融》2010年第10期61-65,共5页Shanghai Finance

摘　　要：金融担保又称"信用担保"。作为金融市场的重要组成部分,中小企业金融担保市场承担着重要的金融功能。文章从资金和信用两大因素出发,设计中小企业资信评估系统的指标体系,该指标体系主要由财务指标体系与非财务指标体系构成。并针对中小企业资信程度所呈现的模糊性特征,运用模糊数学理论,构建了中小企业资信评估系统的评判模型与方法,以实现中小企业金融担保风险识别目标。本研究将不仅发展和完善金融风险管理理论,而且对于提升我国中小企业金融担保业在担保实践中的风险管理水平,加快推进我国中小企业金融担保业的科学化发展进程,实现我国中小企业金融担保业的可持续发展,具有非常重要的理论指导与现实意义。Financial guarantee is also known as ＂credit guarantee＂.As an important component of financial market,SME financial guarantee market has important financial function.The paper starts from two factors that are money and credit,and designs index system for SME credit assessment system,which is composed of financial index system and non-financial index system.Given the fuzziness of SME credit,the paper applies fuzzy mathematics to construct the evaluation model and method of SME credit assessment system,in order to realize risk recognition in SME financial guarantee.The research will help develop theories of financial risk management,and improve the level of risk management of China＇s SME financial guarantee.It will also be of great significance in speeding the scientific development of China＇s SME financial guarantee,and realizing the sustainable development of SME financial guarantee.

关 键 词：资信评估 中小企业 金融担保 风险 识别 

分 类 号：F830.9[经济管理—金融学]