CAJ | 학술논문

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，本文提出将组合赋权法和模糊综合评判法结合应用于中小企业信用评价。考虑到主客观赋权法各有优缺点，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，再采用相对熵法进行组合赋权确定了各项评价指标的权重；然后采用正态隶属函数计算企业信用等级的隶属度，得出企业的信用评价结果。选取24家科技型中小企业作为样本，进行了实证分析，验证了上述评价方法的可行性和适用性。
침대존화질압융자모식하각삼여주체적다원성，재중소기업신용평개적과정중수요극복기신용평개구유주관성、복잡성화모호성적난제，본문제출장조합부권법화모호종합평판법결합응용우중소기업신용평개。고필도주객관부권법각유우결점，선분별채용층차분석법、적권법종주관、객관적각도진행부권，재채용상대적법진행조합부권학정료각항평개지표적권중；연후채용정태대속함수계산기업신용등급적대속도，득출기업적신용평개결과。선취24가과기형중소기업작위양본，진행료실증분석，험증료상술평개방법적가행성화괄용성。
Aiming at the diversity inventory impawn financing mode of each participants diversity, in the process of SMEs credit evaluation, it needs to overcome its credit evaluation of subjectivity, complexity and fuzziness;this paper will combine weighting method and fuzzy comprehensive evaluation method, to applied to SMEs credit evaluation, considering the subjective weighting method have their respective advantages and dis?advantages, respectively adopt the method of AHP, entropy weight method which weights from the subjective, and objective point of view, and then using the relative entropy method of combination weighting to determine the weight of evaluation indexes. Finally, using fuzzy comprehensive evaluation method, we get the final evalu?ation result of credit status of technological SMEs in inventory financing mode. With the 24 technological SMEs listed companies as example, proving the feasibility and applicability of the proposed approach.