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CREDIT REFERENCE
2015年
9期
54-58
,共5页
互联网金融%科技型中小企业%信用评级指标%实证研究
互聯網金融%科技型中小企業%信用評級指標%實證研究
호련망금융%과기형중소기업%신용평급지표%실증연구
Internet financial%small and medium-sized technological enterprises ( SMTE)%credit rating indicator%empirical study
互联网金融的兴起为解决科技型中小企业融资难提供了新的途径。在传统信用评级指标中加入互联网金融指标，采用AHP法赋权，运用效用函数综合评价法进行实证研究发现，信用评级能够降低信息不对称，促进互联网金融与科技型中小企业对接。该研究成果有助于解决科技型中小企业融资难问题，也可为信用评级学者展开相关研究提供参考。
互聯網金融的興起為解決科技型中小企業融資難提供瞭新的途徑。在傳統信用評級指標中加入互聯網金融指標，採用AHP法賦權，運用效用函數綜閤評價法進行實證研究髮現，信用評級能夠降低信息不對稱，促進互聯網金融與科技型中小企業對接。該研究成果有助于解決科技型中小企業融資難問題，也可為信用評級學者展開相關研究提供參攷。
호련망금융적흥기위해결과기형중소기업융자난제공료신적도경。재전통신용평급지표중가입호련망금융지표，채용AHP법부권，운용효용함수종합평개법진행실증연구발현，신용평급능구강저신식불대칭，촉진호련망금융여과기형중소기업대접。해연구성과유조우해결과기형중소기업융자난문제，야가위신용평급학자전개상관연구제공삼고。
The rise of Internet finance provides a new way to solving small and medium-sized technological enter-prise ( SMTE) financing difficulties. An empirical study is made by adding the Internet financial indicators to tradi-tional credit rating indicators, adopting the AHP method empowerment and using comprehensive evaluation method of utility function. The results show that credit rating can reduce the information asymmetry, promote the integration of Internet finance and small and medium-sized technological enterprises. The results of the study is helpful to sol-ving small and medium-sized technological enterprise financing difficulty, also can provide credit rating scholars with reference for related researches.
