供应链金融视角下企业信用风险评估指标体系的选择与应用  

Selection and Application of Enterprise Credit Risk Evaluation Index System from the Perspective of Supply Chain Finance

作　　者：羿建华 郭峰[2] YI Jianhua;GUO Feng

机构地区：[1]济南大学商学院,山东济南250002 [2]中国人民银行济南分行,山东济南250010

出　　处：《济南大学学报（社会科学版）》2021年第2期103-112,159,160,共12页Journal of University of Jinan:Social Science Edition

基　　金：山东省社科规划项目“普惠金融体系的社会绩效及其实现机制”(项目编号:16BJRJ01)的阶段性成果。

摘　　要：发展供应链金融是健全具有高度适应性、竞争力、普惠型现代金融体系的重要组成部分。目前,全球产业链竞争的压力持续增加,供应链金融作为一种面向供应链所有成员企业的系统性金融服务,能够以核心企业为中心,有效整合上下游企业的信用资源,增强链上所有企业的融资能力,对产业链持续升级具有重要作用。与此同时,由于信用资源的重构,对单一企业来说,其信用风险已经发生了相应的迁移,因此,处于供给端的供应链金融在风险管理方面也亟需进行再造和调整。通过对供应链金融环境下企业信用风险形成机理分析,并利用相关理论实证和经验实证方法,提出适合供应链金融环境下的企业信用风险评估指标体系,并利用沪深两市公开数据对相关指标进行检验和筛选。The development of supply chain finance is an important part for the development of a highly adaptable,competitive and inclusive modern financial system.At present,the pressure of global industrial chain competition continues to increase.As a systematic financial service for all members of the supply chain,supply chain finance can effectively integrate the credit resources of upstream and downstream enterprises with core enterprises as the center,and enhance the financing ability of all enterprises in the chain,which plays an important role in the continuous upgrading of the industrial chain.At the same time,due to the reconstruction of credit resources,the credit risk for a single enterprise has shifted accordingly.Therefore,supply chain finance at the supply side also needs to be rebuilt and adjusted in terms of risk management.This article studies enterprise credit risk assessment in the environment of supply chain finance,puts forward the enterprise credit risk assessment index system suitable for the environment of supply chain finance through necessary theoretical analysis,and tests and screens the relevant indexes by using the public data of Shanghai and Shenzhen stock markets.

关 键 词：供应链金融 信用风险 评估指标 LR模型 

分 类 号：F832[经济管理—金融学] F275