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信息不对称使得商业银行对总承包商信用评价时存在很大风险。为最大限度防范风险,本文从建筑供应链视角考虑了建筑供应链因素对总承包商的影响,提出以融资主体信用风险评价、项目环境风险评价、建筑供应链风险评价三个评价体系组成基于建筑供应链总承包商信用风险评价指标体系。对三轮筛选后的指标,进行探索性因子分析和信度、效度的检验,最终确立由48个指标构成的基于建筑供应链的总承包商信用风险评价指标体系,为商业银行进行信用风险评价提供借鉴。
Asymmetric information makes commercial banks have a great risk to the general contractor’s credit rating. In order to minimize the risk, this paper considers the impact of construction supply chain on the general contractor from the perspective of construction supply chain, and proposes three evaluation systems based on the credit risk assessment of financing subjects, project environmental risk assessment and construction supply chain risk assessment, Supply chain general contractor credit risk evaluation index system. After three rounds of screening indicators, exploratory factor analysis and reliability, validity test, and ultimately established by the 48 indicators of the construction supply chain based on the general contractor credit risk evaluation index system for commercial banks credit risk assessment Provide reference.