Evaluation of Supply Chain Finance Strategies under Credit Risk Uncertainty: A Multi-Criteria Decision-Making Approach(مقاله علمی وزارت علوم)
حوزههای تخصصی:
in today's volatile business environment, selecting an optimal supply chain finance(SCF) strategy under credit risk uncertainty has become a cretical concern for firms-particularly for small and medium-sized enterprises(SMEs).This study aims to evluate and prioritize SCF sterategies by foucusing on credit risk mitigation using a multi-criteria decision-making(MCDM) approach. After identifying key evaluation criteria through expert consultation and Delphi methodology, the Analytic Hierarchy Process(AHP) was employed to assign weights to these criteria. Subsequently, the technique for order preference by similarity to ideal solution(TOPSIS) was used to rank five majore SCF strategies. Finding indicate that fintech-based strategies have highest effectiveness in mitigating credit risk due to features such as enhanced tranparency, felexibility and the ability to transfer risk to thirdparty financial institutions. in contrast, traditional receivable-based financing methods, such as factoring, ranked lowest in effectiveness. the study offers a structured and empirically validated framework for decision-makers aiming to improve financial resilience in supply chains, especially under credit uncertainty.