基于多层次模糊综合评价的中小企业信用风险评估

王帅; 杨培涛; 黄庆雯

基于多层次模糊综合评价的中小企业信用风险评估

引用本文：王帅, 杨培涛, 黄庆雯.基于多层次模糊综合评价的中小企业信用风险评估[J].财经理论与实践,2014,(5):13-17

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作者	单位
王帅, 杨培涛, 黄庆雯	(1.中南林业科技大学经济学院, 湖南长沙410004 2. 中南林业科技大学产融研究中心, 湖南长沙410205)

中文摘要:引入多层次模糊评价方法，设计包括行业状况、上下游状况、产品状况、管理水平、财务状况和资信状况的指标体系，构建多层次模糊综合评价的中小企业信用风险评估模型。算例分析表明该方法综合了定性因素和定量因素，能有效地评价中小企业的信用风险。

中文关键词:多层次模糊综合评价信用风险风险评估

The Impact of Credit Support on low carbon economy: an empirical study on the Hunan Province

Abstract:SMEs is an important part of the social economy, but the credit risk of SMEs is difficult to obtain due to the information asymmetry. This paper constructs a multi-layer fuzzy comprehensive evaluation model to evaluate the credit risk of SMEs by introducing the fuzzy comprehensive method and designing the indicator system which includes the industry condition, the industry chain, the product information, the management level, the financial condition and the credit condition of a company. And the example analysis shows that the method proposed in this paper is effective to evaluate the credit risk of SMEs.

keywords:Multi-layer fuzzy comprehensive evaluation Credit risk Risk evaluation

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