Research Article

Credit Risk Assessment of Small and Medium-Sized Enterprises under the Financial Model of Online Supply Chain

Table 2

Quantitative scoring standard.

The name of the indicatorEvaluation criteriaScoring criteria
10740

Quality of financial information disclosureShenzhen stock exchange evaluation standard of information disclosureABCD
External guaranteesAverage amount of a single guarantee0 CNY<100 million CNY1–3 billion CNY>300 million CNY
Industry statusThe proportion of the registered capital scale of core enterprise accounts in the same industry in China≤20%20%–50%50%–70%>70%
Product substitutabilityNumber of competitive products in the financing enterprises≥9050–9020–50<20
Information supply chain sharing degreeUse of ERP and PDM systemBoth SMEs and core enterprises useOnly SMEs useOnly core enterprises useNeither SMEs nor core enterprises use
Years of cooperationFinancing enterprises and core enterprises’ number of years of cooperation≥53–51–3<1
Past performanceRecord of being sued by customers or suppliersSet the score range from 0 to 10, and query the judicial case records of the company sued by customers or suppliers on the qichacha.net, tianyancha.net, and other websites, each 1 prosecution case deduction of 2 scores, and there are no negative scores
Enterprise sizeMain enterprise business incomeLOG (main business income).
Leadership qualitiesEducational background of management personnelThe educational background of management personnel is divided into under technical degree, technical degree, bachelor degree, master’s degree, doctoral degree, and professor, respectively, assigned 0, 1, 2, 4, 8, and 16, with the indicator score obtained by summation