摘要
互联网金融的兴起为解决科技型中小企业融资难提供了新的途径。在传统信用评级指标中加入互联网金融指标,采用AHP法赋权,运用效用函数综合评价法进行实证研究发现,信用评级能够降低信息不对称,促进互联网金融与科技型中小企业对接。该研究成果有助于解决科技型中小企业融资难问题,也可为信用评级学者展开相关研究提供参考。
The rise of Internet finance provides a new way to solving small and medium-sized technological enter-prise （ SMTE） financing difficulties. An empirical study is made by adding the Internet financial indicators to tradi-tional credit rating indicators, adopting the AHP method empowerment and using comprehensive evaluation method of utility function. The results show that credit rating can reduce the information asymmetry, promote the integration of Internet finance and small and medium-sized technological enterprises. The results of the study is helpful to sol-ving small and medium-sized technological enterprise financing difficulty, also can provide credit rating scholars with reference for related researches.
出处
《征信》
2015年第9期54-58,共5页
Credit Reference
基金
上海电子废弃物资源化产学研合作开发中心开放基金项目(B50ZS120003-11)
上海第二工业大学培育学科项目(XXKPY1306)
关键词
互联网金融
科技型中小企业
信用评级指标
实证研究
Internet financial
small and medium-sized technological enterprises （ SMTE）
credit rating indicator
empirical study
