摘要
农业供应链金融的发展,有效缓解了中小企业融资难的问题,但如何有效评估其信用风险尤为重要。针对农业中小企业,构建了供应链金融信用风险评估指标体系,并运用支持向量机建立了风险评估模型。经过对41组农业中小企业的数据进行训练和检验,发现该模型可以更准确地评估农业中小企业的信用风险,从而帮助商业银行等金融机构采取更有效的应对措施。
While agricultural supply chain finance has successfully addressed financing challenges faced by small and medium-sized enterprises(SMEs),it is crucial to assess their credit risk effectively.This study focuses on agricultural SMEs,develops a credit risk index system for supply chain finance,and builds a risk evaluation model using support vector machine,and trains and tests 41 groups of sample data of agricultural SMEs.The results show that the supply chain finance credit risk evaluation model established in this paper is helpful for commercial banks and other financial institutions to better evaluate the credit risk of agricultural SMEs,so as to take more effective risk management measures.
作者
李昕
谢昊伦
LI Xin;XIE Haolun(School of Management,Jiangsu University,Zhenjiang 212013,China)
出处
《物流科技》
2024年第5期146-149,共4页
Logistics Sci-Tech
关键词
供应链金融
支持向量机
信用风险
supply chain finance
support vector machine
credit risk
