毕节学院学报
畢節學院學報
필절학원학보
JOURNAL OF BIJIE UNIVERSITY
2015年
2期
132-138
,共7页
存货质押融资%中小企业%信用评价%组合赋权%相对熵
存貨質押融資%中小企業%信用評價%組閤賦權%相對熵
존화질압융자%중소기업%신용평개%조합부권%상대적
Inventory Mode%SEMs%Credit Evaluation%Combination Weighting%Relative Entropy
针对存货质押融资模式下各参与主体的多元性,在中小企业信用评价的过程中需要克服其信用评价具有主观性、复杂性和模糊性的难题;同时,考虑到主、客观赋权法各有优缺点,应通过相对熵的组合赋权法确定各项评价指标的权重。在组合赋权的过程中,可以先分别采用层次分析法、熵权法从主观、客观的角度进行赋权,再采用相对熵法实现组合赋权。另外,采用线性加权和法对24家样本中小企业进行信用评价,构建中小企业信用评价指标体系,实证结果验证了组合赋权的可行性与适用性。
針對存貨質押融資模式下各參與主體的多元性,在中小企業信用評價的過程中需要剋服其信用評價具有主觀性、複雜性和模糊性的難題;同時,攷慮到主、客觀賦權法各有優缺點,應通過相對熵的組閤賦權法確定各項評價指標的權重。在組閤賦權的過程中,可以先分彆採用層次分析法、熵權法從主觀、客觀的角度進行賦權,再採用相對熵法實現組閤賦權。另外,採用線性加權和法對24傢樣本中小企業進行信用評價,構建中小企業信用評價指標體繫,實證結果驗證瞭組閤賦權的可行性與適用性。
침대존화질압융자모식하각삼여주체적다원성,재중소기업신용평개적과정중수요극복기신용평개구유주관성、복잡성화모호성적난제;동시,고필도주、객관부권법각유우결점,응통과상대적적조합부권법학정각항평개지표적권중。재조합부권적과정중,가이선분별채용층차분석법、적권법종주관、객관적각도진행부권,재채용상대적법실현조합부권。령외,채용선성가권화법대24가양본중소기업진행신용평개,구건중소기업신용평개지표체계,실증결과험증료조합부권적가행성여괄용성。
For the diversity of each participation in the inventory financing, it needs to overcome its sub?jectivity, complexity and fuzziness in the process of credit evaluation of SEMs. Meanwhile, considering the subjective and objective method has its advantages and disadvantages, this paper weight each indicators by relative entropy based on combination weighting method. In the process of combination of empowerment, weight each indicators from the angle of subjectivity and objectivity based on analytic hierarchy process and entropy, then, using the relative entropy method to achieve the combination weighting. This paper also builds a credit evaluation index system of SEMs, and by using the linear weighted method evaluated the sample of 24 SEMs, the empirical results verify the feasibility and applicability of the combination weighting.