企业经济
企業經濟
기업경제
Enterprise Economy
2014年
5期
88~92
,共null页
供应链融资 AHP 风险评估 指标体系
供應鏈融資 AHP 風險評估 指標體繫
공응련융자 AHP 풍험평고 지표체계
supply chain financing; AHP; risk evaluation; index system
近年来各银行纷纷推出各种供应链金融产品,这一方面在一定程度上解决了中小企业融资难问题,另一方面也给银行提供了新的业务渠道。但是,该融资模式在运行过程中比传统融资模式更容易产生风险。文章通过阐述中小企业现金流的缺口及相应的供应链融资模式并分析其风险及特征,筛选出影响中小企业供应链融资风险的指标因素,建立了包括融资企业资质指标、核心企业资质指标、供应链运行状况指标、融资项下交易资产质量指标四个评价指标在内的评估体系。在此基础上,借助AHP进行定性和定量分析,构建了供应链融资风险评估模型,确定了相关因素的影响力排序,找出风险控制点,以期为促进供应链融资业务的良好运行提供一些思路。
近年來各銀行紛紛推齣各種供應鏈金融產品,這一方麵在一定程度上解決瞭中小企業融資難問題,另一方麵也給銀行提供瞭新的業務渠道。但是,該融資模式在運行過程中比傳統融資模式更容易產生風險。文章通過闡述中小企業現金流的缺口及相應的供應鏈融資模式併分析其風險及特徵,篩選齣影響中小企業供應鏈融資風險的指標因素,建立瞭包括融資企業資質指標、覈心企業資質指標、供應鏈運行狀況指標、融資項下交易資產質量指標四箇評價指標在內的評估體繫。在此基礎上,藉助AHP進行定性和定量分析,構建瞭供應鏈融資風險評估模型,確定瞭相關因素的影響力排序,找齣風險控製點,以期為促進供應鏈融資業務的良好運行提供一些思路。
근년래각은행분분추출각충공응련금융산품,저일방면재일정정도상해결료중소기업융자난문제,령일방면야급은행제공료신적업무거도。단시,해융자모식재운행과정중비전통융자모식경용역산생풍험。문장통과천술중소기업현금류적결구급상응적공응련융자모식병분석기풍험급특정,사선출영향중소기업공응련융자풍험적지표인소,건립료포괄융자기업자질지표、핵심기업자질지표、공응련운행상황지표、융자항하교역자산질량지표사개평개지표재내적평고체계。재차기출상,차조AHP진행정성화정량분석,구건료공응련융자풍험평고모형,학정료상관인소적영향력배서,조출풍험공제점,이기위촉진공응련융자업무적량호운행제공일사사로。
Banks have been offering a variety of products of supply chain financing in recent years. On the one hand, the financing model can solve the problem of financing SMEs to a certain extent, and on the other hand, it gives banks a new business channel. However, the financing model is more prone to risk than traditional financing model during operation. The author describes the gap of SMEs' cash flows and the corresponding supply chain financing models, analyzes the risks and charac- teristics, and screens out the index factors of affecting SMEs' supply chain financing risks to establish the evaluation system of four evaluation indicators including financing enterprise qualification, core enterprise qualification and supply chain op- eration as well as tradable asset quality under the financing program. In view of the ambiguity of risks, by means of the AHP for qualitative and quantitative analyses, the evaluation model of supply chain financing risks has been constructed and the influence order of relevant factors and risk control points have been identified so as to provide some ideas of promoting the sound operation of the supply chain of financing services.