Release Time:2019-03-11  Hits:

Indexed by: Journal Article

Date of Publication: 2017-08-20

Journal: 管理现代化

Included Journals: CSSCI扩展

Volume: 37

Issue: 4

Page Number: 5-7

ISSN: 1003-1154

Key Words: 服务业;小企业;债信评价;Fisher score

Abstract: 以1077笔服务业小企业的贷款数据为实证样本,通过Fisher score值遴选违约鉴别力强的指标,匹配系数—Fisher score值相结合删除信息冗余指标,基于指标的违约鉴别能力Fisher score值对指标赋权,建立了服务业小企业债信评价体系.实证表明:速动比率、抵质押担保因素等25个指标对服务业小企业债信评价具有显著的违约鉴别力.