电商中小企业供应链金融信用风险评价指标体系构建

Construction of Credit Risk Evaluation Index System for Supply Chain Finance of Small and Medium-Sized E-Commerce Enterprises

摘要: 数字经济背景下，电商中小企业依托供应链金融缓解了融资困境，但信用风险频发仍是其发展瓶颈。本文结合电商中小企业“重数据、轻资产”特性，剖析其供应链金融信用风险来源，通过层次分析法(AHP)构建并优化信用风险评价指标体系。研究构建的指标体系贴合电商中小企业实际，可为金融机构、电商平台及监管部门防控信用风险提供实践参考，助力电商中小企业供应链金融健康发展。

Abstract: In the context of the digital economy, small and medium-sized e-commerce enterprises have relied on supply chain finance to alleviate financing difficulties, but frequent credit risks remain a bottleneck in their development. This paper analyzes the sources of credit risk in supply chain finance for small and medium-sized e-commerce enterprises, considering their characteristics of “data-intensive and asset-light,” and constructs and optimizes a credit risk evaluation index system using the Analytic Hierarchy Process (AHP). The index system developed in this study aligns with the actual conditions of small and medium-sized e-commerce enterprises and can provide practical references for financial institutions, e-commerce platforms, and regulatory authorities to prevent and control credit risks, thereby supporting the healthy development of supply chain finance for these enterprises.