| As one of the most important part of our national economy,small snd medium enterprises play an irrplaceable role in ecomomic and social development.Since their finacing difficulties are still cannot be solved,the accounts receivable pledge financing provides a new sloving path to them.However,the bank's related sevices don't get a further development while our country's account receivable has a substantial growth these years.The reason is banks don't propose a supply chain view to design a detailed and high-targeted risk estimating system.The bank's traditional single-subject estimating system overvalued small snd medium enterprises' credit risk.Based on these,this paper firstly introduces accounts receivable financing's connotation and development situation,then comprehensively analyzes the risk construction.The main research content of this paper involves: build accounts receivable pledge financing's credit risk estimating system,compare it with the traditional single-subject estimating system,new estimating system starts from the perspective of small snd medium enterprises' own evaluation,debts evaluation and industry evaluation,select some appropriate index,use the fuzzy comprehensive evaluation method to establish weight matrix and membership matrix,then calculate the credit level of small snd medium enterprises.Through specific cases' detailed calculation,the author obtains two credit level data by new and old risk estimating system,they are 0.7431 and 0.5295.That means,when the new risk estimating system concerns about core enterprise's situation,account receivable's quality and the cooperation degree of supply chain,it can effectively reduces small snd medium enterprises' credit risk.This paper's research can make contributions to bank's correct evaluation of small and medium enterprises' credit risk during accounts receivable pledge financing,then can help the former overvalued companies gain some loan support and get rid of financing difficulties. |
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