CN102279967A - System for evaluating credit rating - Google Patents
System for evaluating credit rating Download PDFInfo
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- CN102279967A CN102279967A CN2010101980668A CN201010198066A CN102279967A CN 102279967 A CN102279967 A CN 102279967A CN 2010101980668 A CN2010101980668 A CN 2010101980668A CN 201010198066 A CN201010198066 A CN 201010198066A CN 102279967 A CN102279967 A CN 102279967A
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Abstract
The invention discloses a system for evaluating a credit rating. By adopting the system, an enterprise entrusted to be evaluated is evaluated, a customized score rating table is combined, and the credit score of the enterprise entrusted to be evaluated is quantified, so that basis is provided for a decision maker to control the credit line of a customer, the enterprise credit sale is better managed scientifically, the enterprise is helped to perfect the credit management construction, the credit risk in market trading is avoided, and the credit line among enterprises under market economy is further promoted and enhanced.
Description
Technical field
The present invention relates to a kind of credit grade evaluation system.
Background technology
Under the overall background of market economy, credit has just become the foundation stone of market economy.Credit is low nextly must to become the economic development bottleneck, and credit crisis then must become " the cancer kind " in market, and the credit disappearance then must become enterprise and lose dead main cause.Therefore, the enterprise credit management construction is very necessary!
Enterprise credit management is that enterprise is for selling the professional technique of carrying out scientific management on credit.The business standing evaluation, usually be also referred to as credit rating or credit appraisal, be meant: by independently, neutral professional institution, be subjected to the trust of evaluation object, according to the principle of " objective, open, science ", with standardized assessment item and content is foundation, with the program and the scientific methods of standard, to object to be appraised fulfil that corresponding economic behavior, ability and trusted degree of promising to undertake investigated, audit and comprehensive assessment, and with the behavior of its assessment result of symbolic representation intuitively.Fundamental purpose is to evade because of selling the risk of generation on credit, increases the success ratio of selling on credit.
The credit of enterprise is as a kind of resource that can utilize, can finance, financing, resource allocation etc.In Modern Market Economy, highly developed along with commodity production and commodity exchange activity, it is more and more important that the status of credit also becomes.Because commercial activities is when bringing enormous profits, also often containing the huge market risk, risk directly comes from commodity exchange both sides' payment behavior and the mistiming between the payment behavior, be credit make the behavior of P ﹠ S can be disconnected from each other long time, its makes payment of being expected be in nondeterministic statement.And the effect of credit just is to make payment behavior in the future to become can to expect and determine more, thereby avoids or reduce the market risk.Credit is high more, and risk is more little; Otherwise credit is low more, and risk is big more.
Planned economy era, the business standing system is particular importance not, in the society creditable all be that country gives, do not have enterprises and individuals's credit.After the economy that comes into the market, face a large amount of economic associations between individual and the enterprise, it is honest that credit just seems that particular importance, market economy more reach with regard to more requiring, and market economy more reaches more need to strengthen Credit Ethics.
Summary of the invention
The object of the present invention is to provide a kind of credit grade evaluation system, appraisal agency can carry out the credit evaluation to the trust assessment enterprise that accepts, and also can carry out credit marking, evaluation credit grade to the client of appraisal agency itself.Assessment objectively and fairly to entrusting assessment enterprise to carry out the systematicness evaluation, with reference to the fraction levels table, assesses credit grade according to certain credit rating standard and operating process, enterprise is sold on credit carry out scientific management better.
For achieving the above object, the technical solution used in the present invention is that a kind of credit grade evaluation system comprises following program:
Set up and entrust assessment enterprise basic document storehouse, set the fraction levels table; Entrust assessment enterprise to fill in credit test and appraisal application, and the application of submitting is examined, determine whether to entrust assessment enterprise to carry out the credit grade test and appraisal this by appraisal agency; After audit, associated companies information, financial data and the operation control situation of assessment enterprise entrusted in typing, and fills in the corresponding data table by annual accounting annual report data of assessment and interrelated data; Appraisal agency examines authenticity, accuracy, the integrality of credit test and appraisal data that unit is submitted to, provides examination reports; Data of submitting to before the basis and the examination reports that provide are assessed enterprise to trust and are given a mark again, and again in conjunction with the fraction levels table, enterprise quantizes the credit rating automatically by mark to the trust assessment, and final assessment goes out the credit grade of this enterprise.
Simultaneously, mentioned fraction levels table in the said procedure, different appraisal agencies can be in conjunction with the actual demand of self enterprise, the self-defined setting, make the hommization more of whole credit grade evaluation system, can satisfy different requirement of enterprise better, help enterprise to carry out the credit management construction better.
The present invention has following beneficial effect:
The fraction levels table is set to human natureization of the present invention, according to certain credit rating standard and operating process, objectively and fairly assess the credit grade that each entrusts assessment enterprise, with reference to the fraction levels table, " credit " is quantized, and can quantize by long-term credit, truer, reflect the credit standing of credit test and appraisal unit more accurately.
Embodiment
The present invention is described further below in conjunction with embodiment.
Appraisal agency is according to the actual demand of self enterprise, and the self-defined fraction levels table that is provided with for example adopted full marks 100 minutes, and what 90-100 divided be the AAA level, and what 80-89 divided be the AA level, the 70-79 branch be the A level, and the like, setting fraction levels table.
Supposing to entrust assessment enterprise is X enterprise, X enterprise submit the test and appraisal application and by audit after, the related data that the typing test and appraisal are required is as the unit information of X enterprise, in recent years financial data, operation control situation or the like.Appraisal agency according to certain credit rating standard, gives a mark, and quantizes the credit rating automatically according to the fraction levels table by the examination to related data authenticity, accuracy, integrality, determines the credit grade of X enterprise.
Its step is as follows:
1) sets up X enterprise basic document storehouse, assess enterprise according to the actual requirements, self-defined setting fraction levels table;
2) credit test and appraisal application is filled in by X enterprise, and by appraisal agency the application of submitting is examined, and determines whether this enterprise is carried out the credit grade test and appraisal;
3) by after the audit, the associated companies information of typing X enterprise, financial data and operation control situation, and fill in the corresponding data table by assessment annual accounting annual report data and interrelated data;
4) appraisal agency examines authenticity, accuracy, the integrality of X data that enterprise submits to, and provides examination reports;
5) according to data of submitting to before and the examination reports that provide, X enterprise is given a mark, again in conjunction with the fraction levels table, X enterprise is quantized the credit rating automatically by mark, final assessment goes out the credit grade of this enterprise.
The above; only for the preferable embodiment of the present invention, but protection scope of the present invention is not limited thereto, and anyly is familiar with those skilled in the art in the technical scope that the present invention discloses; the variation that can expect easily or replacement all should be encompassed within protection scope of the present invention.Therefore, protection scope of the present invention should be as the criterion with the protection domain of claims.
Claims (2)
1. credit grade evaluation system, it is characterized in that: described credit grade evaluation system comprises following program:
Assessment enterprise basic document storehouse is entrusted in a, foundation, sets the fraction levels table;
Credit test and appraisal application is filled in by b, trust assessment enterprise, and by appraisal agency the application of submitting is examined, and determines whether that enterprise is assessed in this trust carries out the credit grade test and appraisal;
C, by after the audit, associated companies information, financial data and the operation control situation of assessment enterprise entrusted in typing, and fills in the corresponding data table by annual accounting annual report data of assessment and interrelated data;
D, appraisal agency examine authenticity, accuracy, the integrality of entrusting assessment data that enterprise submits to, and provide examination reports;
Data of submitting to before e, the basis and the examination reports that provide, to entrusting assessment enterprise to give a mark, again in conjunction with the fraction levels table, enterprise quantizes the credit rating automatically by mark to the trust assessment, and final assessment goes out the credit grade of this enterprise.
2. method according to claim 1 is characterized in that, can a self-defined fraction levels table, and unit quantizes the credit rating automatically by mark to the credit test and appraisal.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010101980668A CN102279967A (en) | 2010-06-09 | 2010-06-09 | System for evaluating credit rating |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010101980668A CN102279967A (en) | 2010-06-09 | 2010-06-09 | System for evaluating credit rating |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN102279967A true CN102279967A (en) | 2011-12-14 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2010101980668A Pending CN102279967A (en) | 2010-06-09 | 2010-06-09 | System for evaluating credit rating |
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| CN (1) | CN102279967A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI493496B (en) * | 2012-07-11 | 2015-07-21 | Mackay Memorial Hospital | Medical information exchange system |
| CN107705844A (en) * | 2017-11-15 | 2018-02-16 | 上海楹盛信息技术有限公司 | A kind of new psychologist's personal information search test and evaluation software design |
-
2010
- 2010-06-09 CN CN2010101980668A patent/CN102279967A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI493496B (en) * | 2012-07-11 | 2015-07-21 | Mackay Memorial Hospital | Medical information exchange system |
| CN107705844A (en) * | 2017-11-15 | 2018-02-16 | 上海楹盛信息技术有限公司 | A kind of new psychologist's personal information search test and evaluation software design |
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| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| DD01 | Delivery of document by public notice |
Addressee: Hangzhou Wodejia Yangwang Iron & Steel Electronics Transaction Market Co., Ltd. Document name: Notification of before Expiration of Request of Examination as to Substance |
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| DD01 | Delivery of document by public notice |
Addressee: Hangzhou Wodejia Yangwang Iron & Steel Electronics Transaction Market Co., Ltd. Document name: Notification that Application Deemed to be Withdrawn |
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| WD01 | Invention patent application deemed withdrawn after publication | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20111214 |