企业信用评级型.doc

企业信用评级模 摘要 社会信用体系是市场经济体制中的重要体系。当前，社会中商业欺诈，制假售假，非法集资等现象屡禁不止，这些社会信用问题归根到底都是企业信用的问题，因此，科学、合理、公正、权威的企业信用评级技术是当前紧要的任务。 本文通过研究研究国内外企业信用评价方法，构建了一个企业信用评价平台。该平台提供了信用评价，信用等级，信用反馈等功能，是一个功能非常完备的信用评价平台。企业信用评级模型是评价企业信用等级的有效工具，随着全世界债券市场的迅猛发展、抵押品价值降低及其波动性增加，该模型将会得到更为广泛的关注，并将为我国各公司企业运用数学模型度量企业信用评级提供了重要参考意义。 关键词：数学模型 企业信用等级 企业信用评级模型 信用评价 Abstract The social credit system is an important system of market economy system. At present, commercial fraud in the society of counterfeit goods, the phenomenon such as illegal fund-raising, the social credit problems in the final analysis are enterprise credit problems, therefore, scientific, reasonable, fair and authority of enterprise credit rating technology is the current urgent task. Through research the enterprise credit evaluation methods both at home and abroad, this paper builds a enterprise credit evaluation, credit rating, credit feedback, and other function, is a very complete credit evaluation platform. Enterprise credit rating model is an effective tool for evaluation of enterprise credit rating with the rapid development of bond markets around the world the value of collateral reduces and its volatility increases, the model will be more widespread attention, and the mathematical model for the companies in our country enterprise use metric enterprise credit rating provides an important reference significance. Key words: mathematical model Enterprise credit rating Enterprise credit rating model Credit evaluation 目录 摘要·················……························ Abstract·········································· 第一章 绪论··········································1 1.1 选题背景和意义·································1 1.2 国内外文献综述·································2 1.2.1 国外研究现状·······························2 1.2.2 国内研究现状·······························5 1.3我国研究现状及存在的问题························9 第二章 信用评级主要方法与模型综述····················10 2.1 专家评估法及其优缺点·····························10 2.2 财务比率分析法及其优缺点·························12 2.3