摘要
供应链金融已成为新时代下全面经济体制改革以及推进“放管服”服务中缓解中小企业融资约束、支持民营经济健康发展的重要保障。本文分析了影响汽车制造业供应链中汽车零部件制造中小企业信用风险的因素,进而构建中小企业在供应链融资模式下信用风险评价指标体系;选取汽车制造业62家上市公司为样本,通过因子分析和Logistic回归,运用核心企业的偿债能力、盈利能力及相关因子建立了中小企业信用风险评估模型。实证结果表明,该模型在预测汽车制造业中小企业融资风险方面准确性较高,为商业银行、供应链核心企业及中小企业改善供应链融资困境提供建议。
Supply chain finance has become an important guarantee for alleviating the financing constraints of small and medium-sized enterprises and supporting the healthy development of the private economy in the comprehensive economic system reform and the promotion of“decentralization,regulation and service”services in the new era.This paper analyzes the factors that affect the credit risk of small and medium-sized automobile manufacturing enterprises in the supply chain of the automobile manufacturing industry,and then establishes a credit risk evaluation index system for small and medium-sized enterprises in the supply chain financing mode;62 listed companies in the automobile manufacturing industry are selected as samples and pass factors analyze and logistic regression,using the solvency,profitability and related factors of core enterprises to establish a credit risk assessment model for SMEs.The empirical results show that the model is highly accurate in predicting the financing risks of SMEs in the automobile manufacturing industry,and provide suggestions for commercial banks,core supply chain companies and SMEs to improve their supply chain financing difficulties.
作者
田琨
庄新田
赵婉婷
Tian Kun;Zhuang Xintian;Zhao Wanting(School of Business Administration,Northeastern University,Shenyang 110169,China)
出处
《工业技术经济》
北大核心
2021年第5期15-20,共6页
Journal of Industrial Technological Economics
基金
辽宁省社会科学规划基金项目“自由贸易区背景下辽宁省中小企业融通仓供应链质押融资决策优化及对策研究”(项目编号:L19CJY011)。
关键词
供应链金融
信用风险
因子分析
LOGISTIC
回归模型
中小企业
汽车制造业
supply chain finance
credit risks
factor analysis
Logistic regression model
small and medium-sized enterprises
automobile manufacturing industry
