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科技类企业信用风险管理现状研究

Research on Credit Risk Management on Science and Technology Enterprises

Finance Analysis and Management / 2022,4(2): 66-72 / 2022-06-08 655 772

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• Authors: 夏会
• Information:

  重庆银行博士后科研工作站，重庆

• Keywords:
  Credit risk; Research and development innovation; Correlation analysis
  信用风险; 研发创新; 相关性分析
• Abstract: With the further development of information technology, the technological innovation ability of enterprises has become the primary driving force of national economic development. At the micro level, science and technology enterprises, as the core component of building an innovative country and a powerful country in science and technology, have attracted much attention in their production and operation. In view of the high risk of R&D innovation activities, the credit rating of enterprises will inevitably be affected. Taking listed companies from 2020 to 2022 as the research object, this paper examines the correlation between their R&D innovation activities and credit, and puts forward suggestions on improving the status quo of credit risk management based on this. 随着信息技术的进一步发展，企业的科技创新能力成为国家经济发展的首要驱动力。微观层面，科技类企业作为建设创新型国家和科技强国的核心成分，其生产经营情况备受关注。鉴于研发创新活动的高风险性，企业的信用等级不可避免的会受到影响。以2020 ～ 2022 年上市公司为研究对象，检验其研发创新活 动与信用之间的相关性程度，并基于此提出提升信用风险管理现状的意见。
• DOI: https://doi.org/10.35534/fam.0402007
• Cite: 夏会．科技类企业信用风险管理现状研究［J］．金融分析与管理，2022，4（2）：66-72．