【摘要】：信用是市場(chǎng)經(jīng)濟(jì)的紐帶，信用評(píng)級(jí)在市場(chǎng)經(jīng)濟(jì)中至關(guān)重要，對(duì)于市場(chǎng)經(jīng)濟(jì)運(yùn)行機(jī)制而言，更是核心組成部分。隨著市場(chǎng)經(jīng)濟(jì)的發(fā)展，信用評(píng)級(jí)的重要性就顯得更加強(qiáng)烈。對(duì)于市場(chǎng)經(jīng)濟(jì)而言，企業(yè)是重要的組成部分；對(duì)于商業(yè)銀行而言，企業(yè)客戶是其主要的利潤(rùn)來源，對(duì)企業(yè)客戶信用評(píng)級(jí)的科學(xué)性與合理性直接影響到商業(yè)銀行信貸資產(chǎn)的質(zhì)量。商業(yè)銀行對(duì)企業(yè)客戶的貸款前審查主要分為內(nèi)部信用評(píng)級(jí)和外部評(píng)級(jí)；若相對(duì)企業(yè)客戶的風(fēng)險(xiǎn)進(jìn)行量化，信用評(píng)級(jí)是最主要的手段，也是商業(yè)銀行進(jìn)行風(fēng)險(xiǎn)管理的最主要環(huán)節(jié)，是商業(yè)銀行進(jìn)行營銷、選取目標(biāo)客戶、對(duì)客戶進(jìn)行授信、發(fā)放貸款、貸款利率定價(jià)、貸款分類、績(jī)效考核等信貸業(yè)務(wù)經(jīng)營及日常管理工作的主要決策依據(jù)。因此，，對(duì)企業(yè)類客戶的信用等級(jí)進(jìn)行客觀公正的確定，一直是各家商業(yè)銀行值得深入探討的課題。 本文主要應(yīng)用案例分析的方法，針對(duì)案例進(jìn)行定量分析與定性分析，主要研究利用外部評(píng)級(jí)公司的評(píng)級(jí)模型針對(duì)被評(píng)級(jí)企業(yè)進(jìn)行信用評(píng)級(jí)問題。本文第一章，介紹選題的背景、信用評(píng)級(jí)的起源、發(fā)展和作用；第二章，介紹了聯(lián)合信用評(píng)級(jí)公司對(duì)客戶信用評(píng)級(jí)體系的基本方法；第三章，以大連力宏公司的案例介紹的評(píng)級(jí)體系及理論的具體應(yīng)用；第四章，對(duì)本文所介紹的評(píng)級(jí)體系進(jìn)行改進(jìn)并進(jìn)行總結(jié)，分析討論其優(yōu)勢(shì)和不足，并有針對(duì)性的提出修改意見。 本文以大連力宏公司為案例，針對(duì)外部評(píng)級(jí)的評(píng)級(jí)體系及理論展示了評(píng)級(jí)公司信用評(píng)分模型確定企業(yè)信用等級(jí)的全過程，并通過針對(duì)企業(yè)所處行業(yè)分析，財(cái)務(wù)分析，探索提高企業(yè)信用評(píng)級(jí)科學(xué)合理性的具體措施。希望通過該案例分析能夠?yàn)樯虡I(yè)銀行業(yè)及評(píng)級(jí)機(jī)構(gòu)風(fēng)險(xiǎn)管理人員在實(shí)務(wù)操作中如何量化風(fēng)險(xiǎn)、規(guī)范評(píng)級(jí)提供有益的幫助。
[Abstract]:Credit is the tie of market economy, and credit rating is very important in market economy. With the development of market economy, the importance of credit rating becomes stronger. For the market economy, the enterprise is an important part, for the commercial bank, the enterprise customer is its main profit source, and the scientific and reasonable credit rating of the enterprise customer directly affects the quality of the credit assets of the commercial bank. The pre-loan examination of commercial banks to corporate customers is mainly divided into internal credit rating and external rating. If the risk of enterprise customers is quantified, credit rating is the most important means and the most important link of risk management in commercial banks. It is the main decision-making basis for commercial banks to conduct marketing, select target customers, grant credit, issue loans, price loan interest rates, classify loans, assess performance and other credit operations and daily management. Therefore, the objective and fair determination of the credit rating of enterprise customers has always been a topic worthy of further discussion by commercial banks. This paper mainly applies the method of case analysis to carry on quantitative analysis and qualitative analysis to the case, and mainly studies the credit rating problem of the rated enterprises by using the rating model of the external rating company. The first chapter introduces the background of the topic, the origin, development and function of credit rating; the second chapter introduces the basic methods of joint credit rating company to customer credit rating system; the third chapter, The fourth chapter is to improve and summarize the rating system introduced in this paper, analyze and discuss its advantages and disadvantages, and put forward some suggestions to modify it. This paper takes Dalian Leehom Corporation as an example, shows the whole process of rating company credit rating model to determine the enterprise credit grade, and through the enterprise industry analysis, the financial analysis, the external rating system and the theory show the whole process of the credit rating model of the rating company. To explore specific measures to improve the scientific rationality of enterprise credit rating. It is hoped that the case study can provide useful help for the risk managers of commercial banks and rating agencies in how to quantify risks and standardize their ratings in practice.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F426.92;F203

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本文編號(hào)：2124121