财经理论与实践
財經理論與實踐
재경이론여실천
THE THEORY AND PRACTICE OF FINANCE AND ECONOMICS
2014年
5期
13-17
,共5页
多层次模糊综合评价%信用风险%风险评估
多層次模糊綜閤評價%信用風險%風險評估
다층차모호종합평개%신용풍험%풍험평고
Multi-layer fuzzy comprehensive evaluation%Credit risk%Risk evaluation
引入多层次模糊评价方法,设计包括行业状况、上下游状况、产品状况、管理水平、财务状况和资信状况的指标体系,构建多层次模糊综合评价的中小企业信用风险评估模型。算例分析表明该方法综合了定性因素和定量因素,能有效地评价中小企业的信用风险。
引入多層次模糊評價方法,設計包括行業狀況、上下遊狀況、產品狀況、管理水平、財務狀況和資信狀況的指標體繫,構建多層次模糊綜閤評價的中小企業信用風險評估模型。算例分析錶明該方法綜閤瞭定性因素和定量因素,能有效地評價中小企業的信用風險。
인입다층차모호평개방법,설계포괄행업상황、상하유상황、산품상황、관리수평、재무상황화자신상황적지표체계,구건다층차모호종합평개적중소기업신용풍험평고모형。산례분석표명해방법종합료정성인소화정량인소,능유효지평개중소기업적신용풍험。
SMEs is an important part of the social economy,but the credit risk of SMEs is dif-ficult to obtain due to the information asymmetry.This paper constructs a multi-layer fuzzy com-prehensive evaluation model to evaluate the credit risk of SMEs by introducing the fuzzy compre-hensive method and designing the indicator system which includes the industry condition,the in-dustry chain,the product information,the management level,the financial condition and the credit condition of a company.And the example analysis shows that the method proposed in this paper is effective to evaluate the credit risk of SMEs.