预付款融资模式下科技型中小企业信用风险评价指标体系研究  

Construction of Credit Risk Evaluation Index System for the Technological SME in Advance Payment Financing Mode

作　　者：张目[1] 黄春燕[1] 李岩[1] 

机构地区：[1]贵州财经大学金融学院,贵州贵阳550025

出　　处：《科技管理研究》2015年第4期32-36,共5页Science and Technology Management Research

基　　金：国家自然科学基金项目"贷款风险补偿资金对科技型中小企业信贷配给的影响机理研究"(71263011);教育部人文社会科学研究规划基金项目"战略性新兴产业企业信用风险评价体系研究"(11YJA630196);贵州省软科学研究项目"贵州科技型中小企业供应链融资模式及信用评价研究"(黔科合体R字[2012]LKC2025号)

摘　　要：根据预付款融资的内涵及业务流程,对预付款融资的主要风险来源进行分析;在此基础上,结合科技型中小企业信用评估基本要素,遵循评价指标的选取原则,从借款企业的信用风险、核心企业的信用风险及回购能力、质押物权属及担保安排、质押物的变现风险、物流企业的监管风险、供应链的运营状况等六个方面构建预付款融资模式下科技型中小企业信用风险评价指标体系。According to the connotation and business process of advance payment financing, we analyzed the main risk sources in advance payment financing. On this basis, combined with the basic elements of credit assessment of technologi- cal SME, and following the selection principles of evaluation index, we constructed a credit risk evaluation index system for the technological SME in advance payment financing mode from the following aspects： credit risk of borrowing enterprise, credit risk and repurchase ability of core enterprise, ownership of pledge assets and guarantee arrangement, liquidation risk of pledge assets, supervision risk of logistics enterprise and operation status of supply chain, etc.

关 键 词：供应链融资 预付款融资 科技型中小企业 信用风险 信用风险评价 指标体系 

分 类 号：F276.44[经济管理—企业管理] F832.4[经济管理—国民经济]