企业信用等级

基于Z值的企业信用等级评价修正灰靶模型

The Modified Grey Target Model Rating Firms ' Credit Based on Z Score

应用Fisher多总体判别分析，建立博士学位论文摘要了适合我国实际情况的商业银行信用风险跟踪预警监测模型，并构造了分类标准，制定了企业信用等级分类办法。

By applying Fisher multi - population discriminant analysis method , the author introduces a tracking forewarning monitor testing of credit risk in commercial banks which is fit for our facts , frames the sort standard , and institutes the method of enterprise credit evaluation grading .

基于突变理论的企业信用等级评价模型

Model for Assessing Enterprise Credit Rating Based on the Catastrophe Theory

企业信用等级综合评价方法及应用

The Comprehensive Evaluation Method of the Credit Rating of Enterprise and Its Application

基于聚类分析的企业信用等级评价方法

A Method of Evaluation of Credit Rating

风险企业信用等级评估及其灰色关联模型

A Research on Evaluation of the Venture Enterprise ′ s Credit Level and Its Gray Correlation Model

一是企业信用等级低，信用增级途径有限。

Firstly , SMEs ' credit ratings are low , and the approaches for credit enhancement are limited .

第二节介绍了企业信用等级测评的信用评级方法；

The second section of this chapter introduces the credit rating methods for the assessment of commercial credit .

本文以贷款企业信用等级和质押物价格波动作为主要影响因素，提出确定质押率的流程。

Then it identify the pledge-materials price and credit level as the main factors in order to determine the flow of pledge-rate .

其次，运用多总体距离判别方法建立了企业信用等级的判别规则。

Secondly , we use multivariate distance-distinguish setting up the discriminant criterion of enterprise credit rating to grade the enterprise 's credit level .

目前虽然有关商业银行授信管理的研究很多，但是其中大部分都处于定性研究阶段，而且主要还是处于确定企业信用等级这一层次的研究上。

Now although there are many researches about the Line of Credit , most of them are qualitative and about the first level .

利用主成因子分析确定关键影响因素：一是贷款担保方式，二是企业信用等级。

Key influencing factors are determined by main factor analysis : one is secure method of loan ; the other is the credit level of enterprise .

企业信用等级评估是金融领域重要的问题，论文采用人工神经网络模型研究企业信用等级的评估问题。

Credit rating of the enterprise is very important problem in the financial field . In this article , we researched this problem using artificial neural network model .

商业银行应在经营观念、信贷政策、信贷服务、金融产品、民营企业信用等级评定制度、担保制度等方面采取相应的支持策略。

Commercial banks should adopt corresponding supporting tactics in managing concept , loan policy and service , financial products , credit assessment system and guarantee system for private enterprises .

将企业信用等级、企业行业、贷款期限、贷款方式引入贷款风险度中，提出了一种信用风险度量模型。

Bring forward the method of credit risk measurement through introducing enterprise credit degree , enterprise trade , loan term and loan manner to loan risk degree for the first time .

模型二的分类正确率略高于模型一，对信用等级分类越细，对企业信用等级的判断越为精确；

The correct rate of classification of model two is slightly higher than model one , the more credit rates we classify , the more accurate the enterprise credit rate is judged ;

建立了一套企业信用等级评价指标体系，然后应用层次分析、聚类分析等方法对企业信用指标体系进行赋权。

An index system of credit evaluation for enterprises was established . It applied AHP ( Analytic Hierarchy Process ) and Cluster Analysis to assigning the weights of the index system of credit evaluation .

另一方面，中小企业信用等级低，市场信用意识淡漠，金融机构惧怕风险，对中小企业惜贷、惧贷，导致中小企业间接融资困难。

On the other hand , the situation that banks , always risk averse , fear to loan to SMES , which have low credit class and dim credit consciousness , lead to financing difficulty of SMES .

我们还用c++Builder开发了一个人工智能企业信用等级评估的软件系统，用户可以方便地用本软件系统进行企业信用等级的评估。

By adopting object-oriented technology to analysis the global system and its ANN module , and using Borland C + + Builder software to program , an enterprise credit assessment prototype system based on mix-expert system has been developed .

用峰度和偏度对企业信用等级转移的阈值进行修正，引入了半绝对离差方法衡量贷款组合风险，建立了基于信用等级修正和半绝对离差风险的银行资产组合优化模型。

Using Skewness and Kurtosis to adjust critical number of firm 's credit grade migration , using Semivariance Absolute Deviation method to measure loan portfolio risks , a portfolio optimization model of banking asset based on the adjusted credit grade and the semivariance absolute deviation is set up .

以贷款通则、商业银行法等金融法规为准则，应用定性与定量相结合的分析方法，通过建立企业信用等级综合评价的指标体系，给出企业信用等级的综合评价方法。

According to the uniform rules for credit loans and commercial banking law of P.R. China and by use of qualitative and quantitative analytic method , the comprehensive evaluation index system is built up in order to put forward the comprehensive evaluation methord of the credit rating of an enterprise .

建模时笔者利用第二章有关LGD的影响因素的分析结果，将抵押担保和企业的信用等级这两个因素加以考虑，引入条件回收率的建模方法。

Using the analysis result regarding the influencing factors of LGD in Chapter 2 and giving consideration to the factors of mortgage guarantee and credit level of enterprise , the author introduces the modeling method of conditional recovery rate .

公布企业环境信用等级提升水污染控制水平

Publicize Environmental Credit Level of Enterprises to Promote Water Pollution Control Capacity

供电企业客户信用等级评价指标与模型研究

Research on the Credit Rating Evaluation System and Model for Power Supply Enterprise Customer

水运施工企业的信用等级采取省、全国两级评价，定期进行评价并向社会公布和公示。

The credit rating of enterprises is evaluated , reported and published by the provincial and national levels regularly .

担保机构能够解决一部分信息不对称问题，提高中小企业的信用等级。

Part of security agencies to solve the problem of information asymmetry and improve the credit rating of SMEs .

目前商业银行信贷风险管理主要是通过给借款企业评定信用等级来设定信贷准入门槛，通过审贷分离业务流程来减少操作风险。

At present commercial banks manage credit risk mainly by evaluating enterprise credit rank to establish credit admittance standard and separating the loan operation to reduce operation risk .

通过信用担保公司的介入来提升中小企业的信用等级，从而使中小企业更为有效地获得商业银行的贷款。

Through the intervention of credit guarantee companies , the credit standing of SMEs is promoted , so that they can get financial services easier from commercial banks .

通过研究寻找其中有价值的关系和规律，对企业的信用等级分类、企业的监督管理等实际工作能够起到辅助作用，并且提供一定的决策支持。

Through the search for the valuable relationships and regularity , the enterprise credit rating classification , enterprise supervision of the actual work can rise the auxiliary function , and provide certain decision support .

合理的贷款价格，既可以确保商业银行本身稳定的盈利空间，也可以通过价格信号度量不同企业的信用等级，有效控制信贷风险。

A reasonable loan price a commercial bank makes could be able to make sure of the bank 's profit space and identify different credit grades of different enterprises by price signal , then control loan risks effectively .