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根据预付款融资的内涵及业务流程,对预付款融资的主要风险来源进行分析;在此基础上,结合科技型中小企业信用评估基本要素,遵循评价指标的选取原则,从借款企业的信用风险、核心企业的信用风险及回购能力、质押物权属及担保安排、质押物的变现风险、物流企业的监管风险、供应链的运营状况等六个方面构建预付款融资模式下科技型中小企业信用风险评价指标体系。
According to the connotation and business process of the advance payment financing, the paper analyzes the main risk sources of the advance payment financing. On this basis, combining with the basic elements of the credit evaluation of the SME, following the selection principle of the evaluation index, from the credit risk, The credit risk and repurchase capability of core enterprises, the pledge right and guarantee arrangement, the realization risk of pledges, the regulatory risk of logistics enterprises and the operation status of supply chain, etc. The credit system for SMEs Risk evaluation index system.