小企业信用评估的模型构建与实证分析Model Construction and Empirical Analysis of Small Enterprise Credit Assessment
马晓青;刘莉亚;胡乃红;王静;
摘要(Abstract)：
文章采用我国东部某银行小企业信贷数据,使用Logistic模型与因子分析相结合的方法提出了构建小企业信用评估体系的思路。研究结果表明,财务因素中资产负债率与违约概率正相关,非财务指标中对违约概率影响最大的是基本存款账户是否在本银行和银行客户类型。与以往研究相比,文章综合考虑了财务与非财务指标,研究结果对构建小企业信用评估指标体系具有重要的参考价值。
关键词(KeyWords)： 小企业;信用评估;因子分析;Logistic模型
基金项目(Foundation): 国家哲学社会科学基金项目(10BJY056);; 上海市哲学社会科学规划基金项目(2010BJB008);; 上海市教委科研创新项目(11ZS68);; 上海市曙光计划支持项目(10SG34)
作者(Author): 马晓青;刘莉亚;胡乃红;王静;
Email:
DOI: 10.16538/j.cnki.jfe.2012.05.001
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