基于层次分析法的科技型小微企业网络融资风险模糊综合评价

Fuzzy Comprehensive Evaluation of Network Financing Risk of Small and Micro-Technological Enterprises Based on Analytic Hierarchy Process

摘要:

网络融资是缓解科技型小微企业融资压力的重要手段，对其风险评价方法进行研究具有重要意义。分析了三种常见网络融资模式的运作流程，探讨了科技型小微企业网络融资主要风险要素，构建了科技型小微企业网络融资风险评价指标体系，通过层次分析法确定了不同风险要素权重，应用模糊综合评价法对融资风险进行综合评价，最后提出了科技型小微企业网络融资风险策略。为我国科技型小微企业提高融资效率，规避网络融资风险提供了策略选择；也为政府制定或出台解决信息不对称、分散网络融资风险的相关政策提供了依据。

Abstract:

Network financing is an important means to alleviate the financing pressure of small and micro enterprises of science and technology, and it is of great significance to study its risk assessment methods. This paper analyses the operation process of three kinds of common network financing modes, probes into the main risk factors of network financing of small and micro enterprises of science and technology type, constructs the evaluation index system of network financing risk of small and micro enterprises of science and technology type, determines the weight of different risk factors by analytic hierarchy process, and synthesizes the financing risk by using the method of fuzzy comprehensive evaluation. Finally, we put forward the risk strategy of network financing for small and micro enterprises of science and technology type. It provides a strategic choice for China"s small and micro-enterprises of science and technology to improve their financing efficiency and avoid the risk of network financing, and also provides a basis for the government to formulate or promulgate relevant policies to solve the information asymmetry and disperse the risk of network financing.