本文结合赊销风险的特征,提出将“赊销风险度”作为新的赊销风险度量标准,该标准以赊销客户的平均货款回收率为计算基础,不仅能够区分赊销资金将来是否发生损失,还能够具体测度赊销资金的损失程度,弥补了现有赊销风险标准缺乏可操作性的缺陷。在定义以上赊销风险度的基础上,论文将供应链赊销风险划分为5个等级,并将支持向量机(SVM)引入赊销风险评价,建立了基于SVM的供应链赊销风险评价模型。实证结果表明,该模型是有效且可行的。
According to the nature of credit sales risk, credit risk degree is put forward to measure the credit sales risk in the paper. It is calculated by clients' average loan recovery rate, which can tell if account receivables are losses and measure the extent of losses, and resolves the difficulty of maneuverability in the existing standard for measuring the credit sales risk. Based on the credit risk degree, the risk of sale on credit is divided into five grades and a credit risk assessing model based on SVM is established. The results of examples show that the proposed model is feasible and accurate for dealing with the risk of sale on credit.