论文部分内容阅读
我国制造业面临的信用风险表现在:易受国际市场变化影响、风险分布以银行为主、具有传导性、评估机制尚不成熟等方面。制造业产生信用风险的原因有国内外需求疲软、人民币汇率波动频繁、信贷规模收缩、成本上升等。从我国制造业中选取具有代表性的上市公司的财务数据,运用“Z评分模型”实证分析了制造业信用风险逐年递增的态势。从政府、银行、企业三个角度提出了淘汰落后产能、创建自主品牌、维护汇率稳定、调整贷款结构、开源节流、产业转型升级、开拓新市场等应对策略。
The credit risk faced by China’s manufacturing industry is that it is susceptible to the changes in the international market. The risk distribution is bank-based, conductive, and the assessment mechanism is not yet mature. The causes of credit risk in the manufacturing sector are weak domestic and foreign demand, frequent fluctuations of the RMB exchange rate, shrinking credit scale and rising costs. Select the representative listed companies’ financial data from the manufacturing industry of our country, and use the “Z-score model” to empirically analyze the situation that the manufacturing credit risk increases year by year. From the perspectives of the government, banks and enterprises, three countermeasures were put forward, such as eliminating outdated production capacity, establishing independent brands, maintaining exchange rate stability, adjusting loan structure, increasing income and reducing expenditure, industrial transformation and upgrading, and opening up new markets.