国内保理风险的模糊综合评价研究.pdf

【理论探索】 国内保理风险的模糊综合评价研究 顾晓安郝广青顾宝炎 , , （上海理工大学管理学院上海 ） , 200093 摘要：近年来，国内保理业务在促进商业银行业务增长、缓解中小企业融资难的同时，也给商业 银行带来了更多的风险。 如何识别、评价和控制保理业务的风险已经成为叙做保理业务需要解 决的首要问题。本文分析了商业银行开展国内保理业务中可能出现的各种风险。 同时，针对国内 保理业务风险影响因素众多，难以准确评价的现状，尝试运用多级模糊综合评价法评价国内保 理业务的风险，以便为商业银行是否开展保理业务提供较为科学的决策依据。 关键词：国内保理；应收账款；风险控制；模糊综合评价 文章编号： （ ） 中图分类号： 文献标识码： １００３－４６２５ ２００9 01－００22－０４ Ｆ832.42 Ａ Abstract: Recently, the business of commercial banks has been promoted, and financing problems of small and middle -Sized enterprises are mitigated by domestic factoring business, At the same time, the risks of commercial banks are also increased. How to identify, evaluate and control risks brought by factoring business become an important problem for commercial banks. In this article each possible risk in financing problems of the domestic commercial banks is analyzed. Meanwhile, ’ For there are so many factors influencing the risks of domestic financing problems that it s difficult to evaluate precisely, the multi-level fuzzy comprehensive evaluation approach is used to estimate the domestic financing problems, so to provide a decision basis for whether the commercial banks should develop factoring business or not. Key Words: Domestic Factoring Business; Accounts Receivables; Risk Control; Fuzzy Comprehensive- evaluation 近年来， 中小企业已经成为我国国民经济的重 经是相当成熟的融资品种。 近年来我国的国内保理 要组成部分， 是市场经济中最具活力的增长点。 但 业务发展势头迅猛，随着我国国民经济的发展，尤其 是，任何企业的发展都离不开资金的投入，而中小企