基于AHP层次分析法的农产品加工企业信贷风险评价研究
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摘要
信贷风险过高而导致的资金供给不足,制约农产品加工企业的发展壮大。利用AHP层次分析法模型可以求得信贷风险评价指标体系,提供信贷风险评价主观定性因素不可公度、无结构复杂系统结构化的解决思路。农产品加工企业信贷风险评价重要性因素依次是财务风险、经营风险、行业风险、管理风险和信誉状况,商业银行在进行农产品加工企业信贷风险评价时,应有针对性、有重点地开展风险识别管理,降低风险不确定性带来的信贷损失。
Credit risk is too high due to inadequate money supply that restricts the development of agricultural products processing enterprises.Using the AHP model,the credit risk evaluation index can be obtained,providing solution for incommensurable subjective qualitative factors and structuring the unstructured complex system in credit risk evaluation.The factors affecting the evaluation rank as: financial risk,business risk,industry risk,management risk and credit rating,commercial banks dealing with risk evaluation,risk identification should reduce the risk brought by the uncertainty of credit losses.
Credit risk is too high due to inadequate money supply that restricts the development of agricultural products processing enterprises.Using the AHP model,the credit risk evaluation index can be obtained,providing solution for incommensurable subjective qualitative factors and structuring the unstructured complex system in credit risk evaluation.The factors affecting the evaluation rank as: financial risk,business risk,industry risk,management risk and credit rating,commercial banks dealing with risk evaluation,risk identification should reduce the risk brought by the uncertainty of credit losses.
引文
[1]孙建平,陈远红.欠发达地区发展农产品加工业的金融支持问题与建议[J].武汉金融,2007(10):60-61.
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[2]庆阳银监分局课题组.陇东“旱码头”农产品加工企业贷款风险分析[J].甘肃金融,2007(6):40-43.
[3]中国人民银行长春中心支行课题组.对吉林省农产品加工业发展与信贷支持情况的调查[J].中国金融,2008(10):62-63.
[4]黄启云.我国中西部地区中小型农产品加工企业资金困境的成因分析[J].农业经济,2012(5):84-86.
[5]梁晓娟.后危机时代中小企业信用评价体系和方法的构建[J].问题探讨,2009(1):9-41.
[6]赵介箴.浅议中小企业信用评价指标体系的建立和构建[J].甘肃科技,2006(9):22-23.
[7]蔡文浩.层次分析法在企业信用风险评估中的应用[J].经济师,2008(10):217-218.