我国中小企业资信评估体系的构建及其实证检验

doi:10.16039/j.cnki.cn22-1249.2019.06.023

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摘要

根据中小企业自身的特点，基于Z-Score模型，构建了包括经营指标、流动性指标、信用指标和定性指标在内的中小企业资信评价体系。采用AHP模糊层次分析法确定指标权重，修正模型的系数。并通过引入不同类型的中小企业对该指标体系进行检验，验证了该评价指标体系的科学性、有效性和可行性。由分析结果可知，探索提高中小企业资信水平路径，对打造良好的企业雇主品牌形象具有重要的理论意义和实践价值。

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	王立霞
	李昊

关键词: 中小企业资信评估 Z-Score模型层次分析法

Abstract:

In this paper, based on the characteristics of SMEs, the researcher constructs the credit evaluation system which includes business indicators, liquidity indicators, credit indicators and qualitative indicators by using Z-Score model. The fuzzy analytic hierarchy process (AHP) is applied to determine the weight of the indicator and modify the model. The test system is proved to be scientific, valid and feasible after the indexes from different enterprises were tested. The results show that it is of great theoretical significance and practical value to explore ways to improve the credit level of small and medium-sized enterprises in order to build a good brand image of the employers.

Key words: small and medium enterprises (SMEs) Credit Evaluation System Z-Score model analytic hierarchy process (AHP)

出版日期: 2019-06-25 发布日期: 2019-06-25 整期出版日期: 2019-06-25

F279.23

引用本文:

王立霞, 李昊. 我国中小企业资信评估体系的构建及其实证检验 [J]. 吉林化工学院学报, 2019, 36(6): 86-92.
WANG Lixia, LI Hao. Construction of Small and Medium Enterprises' Credit Evaluation System and its Empirical Analysis . Journal of Jilin Institute of Chemical Technology, 2019, 36(6): 86-92.

链接本文:

https://xuebao.jlict.edu.cn/CN/10.16039/j.cnki.cn22-1249.2019.06.023 或 https://xuebao.jlict.edu.cn/CN/Y2019/V36/I6/86

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