法国沛丰-从风险评级的角度看小额信贷机构的风险管理.pdf

The copyright of this document belongs to Planet Rating and the author, This document cannot be published or duplicated without the permission of Planet Rating and the author 此文件版权属于沛丰评级及作者，未经许可不得擅自转载或用作他途。 Risk management for MFIs from a Rating Perspective从 从风险评级的角度看小额信贷 机构（MFI ）的风险管理 Otto Wormgoor, Operations Manager 运营总经理 邮箱：owormgoor@ Planet Rating 44 rue de Prony, 75017 Paris – France Tél : 33 1 49 21 26 30 – Fax : 33 1 49 21 26 27 contact@ - WHAT? Definition of Ratings 评级的定义 16 July 2012 , Beijing China Risk management for MFIs from a rating perspective WHAT IS A RATING? 什么是评级？  DEFINITION: A rating provides a concise opinion on the future performance of an institution. (Future performance = current performance + management of risks that could affect the performance)  定义：评级就是精要地评价一家机构在未来的绩效。（未来绩效=当前绩效+对可能影响绩 效的风险管理）  RATING 1: INSTITUTIONAL RATING: It provides an opinion on the long term sustainibility of an MFI, by assessing its performance and risk level. 评级1：机构评级：通过评估小额信贷机构的绩效和风险水平，从而对其可持续发展能力 进行评价。  RATING 2: SOCIAL PERFORMANCE RATING: It provides an opinion on the capacity of an MFI to achieve its social goals. 评级2：社会绩效评级：评价小额信贷机构实现其社会目标的能力 16 July 2012 , Beijing China Risk management for MFIs from a rating perspective WHAT FOR? Goals of Ratings 评级的目标 16 July 2012 , Beijing China Risk management for MFIs from a rating perspective Goals of the rating 评级的目标