摘要
中小企业在传统金融模式中面临融资困难等问题,原因在于财务信息的不透明性和信贷风险的不确定性。本文通过构建基于数据质押的云仓金融决策模型,利用Z模型对中小企业的财务状况进行预警分析。研究结果表明,基于数据质押的云仓金融模式能够有效识别优质中小企业,为银行和投资者的决策提供有效支持,并降低其风险。本研究为中小企业融资问题提供了一种数据驱动的解决方案,对促进供应链金融的健康发展和推动金融科技创新具有一定的理论和实践价值。
Small and medium-sized enterprises face financing difficulties in traditional financial models,the reason is lack of transparency in financial information and the uncertainty of credit risk.This paper constructs a cloud warehouse financial decision-making model based on data pledge,utilizes the Z-model to conduct early warning analysis on the financial status of SMEs.The research results indicate that the cloud warehouse financial model based on data pledge can effectively identify high-quality small and medium-sized enterprises,provide effective support for the decision-making of banks and investors,and reduce their risks.The research provides a data-driven solution for financing issues of small and medium-sized enterprises,which has certain theoretical and practical value in promoting the healthy development of supply chain finance and driving financial technology innovation.
作者
王莹
陈智
WANG Ying;CHEN Zhi(College of Economics and Management,The Open University of Guangdong,Guangzhou 510091,China)
出处
《物流研究》
2025年第4期17-26,共10页
Logistics Research
基金
教育部人文社会规划课题“新质生产力交互赋能供应链数字韧性提升的内在机制研究”(24YJC630223)
广东省教育科学规划课题“‘四链’融合视角下乡村创新教育体系整体效能提升路径研究”(2024GXJK141)
2024广东省青少年研究课题“返乡技术青年弥合城乡数字鸿沟的理论机制、实证检验与路径选择”(2024WT033)。
关键词
云仓金融
数据质押
Z模型
贷款决策
供应链金融
Cloud Warehouse Finance
Data Pledge
Z-model
Lending Decision
Supply Chain Finance
