CN101882280A - Method for evaluating credit rating of enterprise - Google Patents
Method for evaluating credit rating of enterprise Download PDFInfo
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- CN101882280A CN101882280A CN2009100571933A CN200910057193A CN101882280A CN 101882280 A CN101882280 A CN 101882280A CN 2009100571933 A CN2009100571933 A CN 2009100571933A CN 200910057193 A CN200910057193 A CN 200910057193A CN 101882280 A CN101882280 A CN 101882280A
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Abstract
The invention relates to an evaluation method, in particular to a method for evaluating the credit rating of an enterprise. The credit rating of the enterprise directly affects the development of the enterprise. In order to solve the credit rating evaluation problem of the enterprise, the invention provides the method for evaluating the credit rating of the enterprise. The evaluation scheme of the method for evaluating the credit rating of the enterprise is that: an evaluation system comprises the following five evaluation elements: an environment element, a basic element, a power element, an agreement honoring element and an operation element. The method for evaluating the credit rating of the enterprise of the invention has the advantages of clear elements, definite goal and high operability.
Description
Technical field
The present invention relates to a kind of evaluation method, relate in particular to a kind of method for evaluating credit rating of enterprise.
Background technology
Business opportunity is sighed very little by now a lot of enterprises hardship on the one hand, and on the other hand some business opportunities in one's hands is feared pin because of the other side being lacked certain understanding and fear hand, does and is afraid of to have dust thrown into the eyes, and does not do and be afraid of missing the bus.Pushing forward the informatization of industrial and commercial system comprehensively, set up based on economic registered permanent residence management, is means with the computer network, and it is imperative to be with the business standing system that the novel industrial and commercial administration of target is supervised system.And the credit grade of how to evaluate enterprise is a problem demanding prompt solution.The credit grade of enterprise or credit height directly affect enterprise and obtain risk investment or bank loan, and an enterprise will seek out big development, must rely on the injection of external capital.How the injection of capital is selected to register capital in a certain enterprise is not injected another enterprise, and perhaps why does bank give a tame enterprise loan and does not give and another family? these all are the credit grade decisions of enterprise.Therefore, the credit grade of enterprise height directly affects the development of enterprise.
Summary of the invention
For solving the credit rating of enterprise evaluation problem, the present invention proposes a kind of method for evaluating credit rating of enterprise.
A kind of method for evaluating credit rating of enterprise of the present invention, its evaluation of programme is as follows: have five essential elements of evaluations in the appraisement system, be respectively: environmental element, basic factors, dynamic factors, the key element of honouring an agreement and operation factor.
Described environmental element comprises legal environment, market environment, policy environment, economic sublimity and supervision environment etc., is enterprise external environment.Described basic factors comprise mechanism's quality, scale strength, risk-control mechanism, evade and the mechanism etc. of diversifying risks, and are Enterprise Internal Environment.Described dynamic factors is mainly reflected in management ability, growth ability, development prospect of enterprise etc.The basic performance of the described key element business standing situation of honouring an agreement also is the main contents that credit grade is estimated.Described operation factor is the height of economic benefit or profitability.
Method for evaluating credit rating of enterprise of the present invention, key element is clear, with clearly defined objective, has very strong operability.
Embodiment
Below the present invention is described further.
Ranking method adopts the factor analysis method, starts with from the top 5 factor that influences guarantee agency's credit standing and carries out quantitatively and qualitatively analyzing.
Environmental element: this is the external condition that influences guarantee agency's credit standing, comprising: contents such as legal environment, market environment, policy environment, economic environment, supervision environment.Environmental element may influence very big sometimes to the credit standing of guarantee agency, for example tax status, financial rules, the interest rate exchange rate, industry policy, price developments or the like all might bring impact to guarantee agency, and good one side is arranged, and bad another side is also arranged.And these impacts all are that guarantee agency can't control and adjust.For example state macro-control credit squeeze, a large amount of medium-sized and small enterprises close down or the evasion of debts debt, and guarantee agency will be difficult to existence, even can be because its bankruptcy causes the general crises of financial institution.
Basic factors: this is the Internal Elements that influences guarantee agency's credit standing, comprises mechanism's quality, scale strength, risk-control mechanism, evades and content such as the mechanism of diversifying risks.Guarantee agency's credit standing is closely related with these basic factors, can not improve in a short time, is the result through long-term endeavour.The basis is sturdy, and credit standing is inevitable reliable, unless special circumstances are arranged.The basis is unsturdy, is unable to undergo to impact, even credit standing is reliable at present, and can not be lasting.
Dynamic factors: the content such as management ability, growth ability, development prospect that is presented as guarantee agency.The current credit standing of the guarantee agency that has is bad, but the management ability of guarantee agency is very strong, and it is very capable to grow up, and development prospect is fine, and the passive situation of credit standing will in time be reversed; Otherwise the management ability of enterprise is very poor, and the growth ability is not good, and the development prospect dimness even guarantee agency's current credit situation is fine now, also can be gone down in very fast decline.Guarantee agency must have the sense of competition, market concept, benefit idea and developing idea, and this is that mechanism strengthens risk management, the motive power that improves the economic and social benefits.Dynamic factors is constantly advanced for promoting guarantee agency, improves its credit standing and has powerful acting force.
The key element of honouring an agreement: the situation of honouring an agreement is the basic performance of mechanism's credit standing, also is the main contents that credit grade is estimated.For the such special project evaluation of guarantee agency's credit grade evaluation, to show from the situation of honouring an agreement of mechanism at last.This not in general sense the mechanism payment of debts situation still of situation of honouring an agreement, main is mechanism is cashing that government and bank are made a promise.
Operation factor: the quality of guarantee agency's operation and the economic benefit of guarantee agency or profitability just are the basic of guarantee agency's credit standing.Economic benefit typically refers to the comparison of the economic gain of the various production factors that drop in people's production and operating activities and output.The essence of guarantee agency's economic benefit is exactly to obtain maximum guarantee profit with the least possible capital input.In socialist market economy system, guarantee agency only increases economic efficiency, could survival and development.Because market economy need realize the survival of the fittest by competition, competition does not just have market economy, if guarantee agency does not increase economic efficiency, just might fail in competition.And profit is the most important index of guarantee agency's operation result, also is the direct embodiment of guarantee agency's economic benefit.
With the business standing system is that the novel industrial and commercial administration supervision system of target is: based on industrial and commercial administrative bureau's supervision and management, organically combining with differentiated control and localized management is principle, with the computer network is means, main market players's supervision and management is carried out the novel supervision and management system of linkage from top to bottom.
Between industrial and commercial administrative bureau of basic unit and industrial and commercial bureau at different levels, by information such as computer network transmission registration, inspection, punishment, and set up all kinds of main market players database by computer network, with information input computers such as its registration, annual test, inspection, punishment, contract, consumer, awards.
Linking of the relevant data storehouse of realization and departments such as bank, the tax, work, quality supervision, law court progressively forms " credit " database that main market players is more complete on this basis, sets up the business standing system.
The foundation of business standing system not only can be for enterprise provides a market competition environment that justice is orderly, otherwise can promote putting in place of industrial and commercial supervision function too.Set up corresponding supervisory system by this system, as the Risk-warning system: defective or manage abnormal enterprise and do prompting to some, take the self-protection measure to remind the operator who has business contact to concern with it; Legal representative's record of bad behavior system: record is carried out in the illegal activities that are about to the legal representative of company director, supervisor, manager and enterprise, the personnel that list " blacklist " in are limited it serve as the legal representative of director, supervisor and manager and enterprise, improve these type of personnel's the market access " threshold " in company.
Claims (6)
1. a method for evaluating credit rating of enterprise is characterized in that: have five essential elements of evaluations, be respectively: environmental element, basic factors, dynamic factors, the key element of honouring an agreement and operation factor.
2. a kind of method for evaluating credit rating of enterprise according to claim 1 is characterized in that: described environmental element comprises legal environment, market environment, policy environment, economic sublimity and supervision environment etc., is enterprise external environment.
3. a kind of method for evaluating credit rating of enterprise according to claim 1 is characterized in that: described basic factors comprise mechanism's quality, scale strength, risk-control mechanism, evade and the mechanism etc. of diversifying risks, and are Enterprise Internal Environment.
4. a kind of method for evaluating credit rating of enterprise according to claim 1 is characterized in that: described dynamic factors is mainly reflected in management ability, growth ability, development prospect of enterprise etc.
5. a kind of method for evaluating credit rating of enterprise according to claim 1 is characterized in that: the basic performance of the described key element business standing situation of honouring an agreement also is the main contents that credit grade is estimated.
6. a kind of method for evaluating credit rating of enterprise according to claim 1 is characterized in that: described operation factor is the height of economic benefit or profitability.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009100571933A CN101882280A (en) | 2009-05-07 | 2009-05-07 | Method for evaluating credit rating of enterprise |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009100571933A CN101882280A (en) | 2009-05-07 | 2009-05-07 | Method for evaluating credit rating of enterprise |
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| Publication Number | Publication Date |
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| CN101882280A true CN101882280A (en) | 2010-11-10 |
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| CN2009100571933A Pending CN101882280A (en) | 2009-05-07 | 2009-05-07 | Method for evaluating credit rating of enterprise |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105574666A (en) * | 2015-12-15 | 2016-05-11 | 浪潮软件股份有限公司 | Method and device for evaluating credit level of enterprise based on key data modeling |
| CN105844516A (en) * | 2016-05-26 | 2016-08-10 | 龙官波 | Method and device for evaluating enterprise credit |
| CN106875132A (en) * | 2017-03-17 | 2017-06-20 | 严东军 | Objective dynamic credit rating method and platform based on subjective consciousness of honesty |
-
2009
- 2009-05-07 CN CN2009100571933A patent/CN101882280A/en active Pending
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105574666A (en) * | 2015-12-15 | 2016-05-11 | 浪潮软件股份有限公司 | Method and device for evaluating credit level of enterprise based on key data modeling |
| CN105844516A (en) * | 2016-05-26 | 2016-08-10 | 龙官波 | Method and device for evaluating enterprise credit |
| CN106875132A (en) * | 2017-03-17 | 2017-06-20 | 严东军 | Objective dynamic credit rating method and platform based on subjective consciousness of honesty |
| CN106875132B (en) * | 2017-03-17 | 2020-11-24 | 严东军 | Subjective integrity consciousness-based objective dynamic credit rating assessment method and platform |
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Application publication date: 20101110 |