企业信誉评估.docVIP

PAGE PAGE 1 企 业 信 用 评 估 指导老师:谢晓燕 黎实 学生:唐晓丽 (统计学院统计学专业99级) HYPERLINK /p-16916259805.html /p-16916259805.html 内容摘要: 信用危机已经成为一个倍受关注的商业风险。银行信贷中，常常由于不良贷款无法收回形成银行大笔呆帐。在商业往来中，企业之间也往往因为受货方拖欠帐款，使得原本势力较强、经营得当的企业反而因信用不良企业的牵连发生财务危机，提早退出竞争市场。在贸易自由往来的今天，商业主体之间联系日益紧密且关系错综复杂，一旦风险得不到有限的控制，则极易引起连锁反应，诱发大面积的金融危机。在此背景下，如何建立信用风险评估体系变得重要了起来。本文正是从这一目的出发，希望通过论文的写作，涉入到有实际意义的讨论中去。本文可以分为两个部分。第一部分是理论叙述部分，讲述了惯用的几个信用评价原则，指标的定量选取方法，以及如何赋权和计算综合得分。第二部分则是选用上市公司的财务数据，从实际出发应用第一部分的理论，具体实现指标定性选择、定量精选、标准化数据、赋权、综合这一流程，完成企业信用分析的一个实例。最后，谈到了在我国建立资信体系的必要性和迫切性作为全文的结局。 关键词： “5C”原则 定性选取指标 定量选取指标 均值化 主成分分析 贡献率赋权 线形加权综合 资信 ABSTRACT: The credit crisis has already become a commercial risks paid close attention to extremely. In the bank credit, often because the bad loan is unable to regain and form a large sum of bad debt of the bank. In the commercial exchanges, enterprises are often in arrears with the funds on account by the goods side too, Make originally force relatively strong, manage instead because credit bad enterprises involve and the financial crisis has taken place apt enterprise, Withdraw from the competitive market ahead of time. Freedom of trade exchanges today, the connection is close day by day and the relation is intricate between the commercial subject, As soon as the risk can not get limited control, extremely easy to cause chain reaction, Bring out the financial crisis of the large area. Under this background, how set up credit present with respect virtuous to assess system become important to stand up. This text exactly proceeds from this purpose , hope to involve in entering to the discussion of the thing sometimes through the writing of the thesis. This text can divide into two parts . The first part It is theory that narrate and partly, tell habitual odd pieces of credit appraise the principle, The rations of index choose method, and how about compose right and calculate and get scores synthetically. The second part It is the financial data which select fo