农业供应链金融视角下核心企业信用风险实证研究

如何对核心企业信用风险进行评价与控制成为农业供应链金融稳定运行的关键点之一.基于农业供应链金融视角,在梳理以核心企业为主导的农业供应链金融模式基础上,结合因子分析构建二元Logistic回归模型,对影响农业供应链金融中核心企业信用风险的因素进行分析.结果表明,该二元Logistic回归模型能够较好地预测农业供应链金融中核心企业的信用风险.其中,总资产周转率、流动资产周转率、应收账款周转率越高,核心企业的信用风险越低.

Empirical Study on Credit Risk of Core Enterprises from the Perspective of Agricultural Supply Chain Finance

How to evaluate and control the credit risk of core enterprises has become one of the key points for the stable operation of agricultural supply chain finance.Based on the perspective of agricultural supply chain finance, on the basis of combing the agricultural supply chain finance model dominated by core enterprises, combining with factor analysis, a binary logistic regression model is built to analyze the factors affecting the credit risk of core enterprises in agricultural supply chain finance.The results show that the binary logistic regression model can better predict the credit risk of core enterprises in agricultural supply chain finance.Among them, the higher the turnover of total assets, current assets and accounts receivable, the lower the credit risk of the core enterprise.