科技管理研究
科技管理研究
과기관리연구
SCIENCE AND TECHNOLOGY MANAGEMENT RESEARCH
2015年
4期
32-36
,共5页
供应链融资%预付款融资%科技型中小企业%信用风险%信用风险评价%指标体系
供應鏈融資%預付款融資%科技型中小企業%信用風險%信用風險評價%指標體繫
공응련융자%예부관융자%과기형중소기업%신용풍험%신용풍험평개%지표체계
supply chain financing%advance payment financing%technological SME%credit risk%credit risk evaluation%index system
根据预付款融资的内涵及业务流程，对预付款融资的主要风险来源进行分析；在此基础上，结合科技型中小企业信用评估基本要素，遵循评价指标的选取原则，从借款企业的信用风险、核心企业的信用风险及回购能力、质押物权属及担保安排、质押物的变现风险、物流企业的监管风险、供应链的运营状况等六个方面构建预付款融资模式下科技型中小企业信用风险评价指标体系。
根據預付款融資的內涵及業務流程，對預付款融資的主要風險來源進行分析；在此基礎上，結閤科技型中小企業信用評估基本要素，遵循評價指標的選取原則，從藉款企業的信用風險、覈心企業的信用風險及迴購能力、質押物權屬及擔保安排、質押物的變現風險、物流企業的鑑管風險、供應鏈的運營狀況等六箇方麵構建預付款融資模式下科技型中小企業信用風險評價指標體繫。
근거예부관융자적내함급업무류정，대예부관융자적주요풍험래원진행분석；재차기출상，결합과기형중소기업신용평고기본요소，준순평개지표적선취원칙，종차관기업적신용풍험、핵심기업적신용풍험급회구능력、질압물권속급담보안배、질압물적변현풍험、물류기업적감관풍험、공응련적운영상황등륙개방면구건예부관융자모식하과기형중소기업신용풍험평개지표체계。
According to the connotation and business process of advance payment financing,we analyzed the main risk sources in advance payment financing.On this basis,combined with the basic elements of credit assessment of technologi-cal SME,and following the selection principles of evaluation index,we constructed a credit risk evaluation index system for the technological SME in advance payment financing mode from the following aspects:credit risk of borrowing enterprise, credit risk and repurchase ability of core enterprise,ownership of pledge assets and guarantee arrangement,liquidation risk of pledge assets,supervision risk of logistics enterprise and operation status of supply chain,etc.
