CN111815428A - Method for selling (distributing) electric company credit rating - Google Patents
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Abstract
The invention relates to a method for grading the credit of a power distribution company, which comprises the steps of establishing an evaluation standard index system of credit evaluation elements, establishing a standard value of each evaluation element, and establishing a calculation method and a scoring basis of each index element; collecting evaluation data of evaluation elements of a company to be evaluated, confirming the score of each evaluation element according to the evaluation standard and the evaluation data of each evaluation element, summarizing the comprehensive score of each index, and determining the credit rating; and making a credit report. The method for evaluating the credit of the power selling (distributing) company, which is formulated by the invention, adopts a plurality of evaluation elements to comprehensively evaluate the company, converts descriptive languages of non-financial indexes in the industry into scores, and finally forms a set of complete and scientific credit evaluation model of the power selling (distributing) company.
Description
Technical Field
The invention relates to a credit evaluation method, in particular to a method for rating the credit of an electricity selling (distributing) company.
Background
At present, no mature method for evaluating the credit of the power selling (distributing) company exists in the market, and the credit of the power selling (distributing) company cannot be scientifically, justly and objectively evaluated.
Disclosure of Invention
The invention mainly aims to provide a method model for rating the credit of an electric power selling (distributing) company, which can scientifically, fairly and objectively evaluate the credit condition of the electric power selling (distributing) company of each province, thereby being more practical.
The purpose of the invention and the technical problem to be solved are realized by adopting the following technical scheme. The method for grading the credit of the electric power selling (distributing) company comprises the following steps:
(1) formulating a credit evaluation element index system model which accords with the management characteristics of the selling and power distribution industries;
(2) establishing a reference standard value of each evaluation element;
(3) formulating a calculation method and a scoring and assessing basis of each index element;
(4) obtaining the evaluation data of all evaluation elements of an enterprise to be evaluated according to the regulation (work draft);
(5) a credit report standard format is formulated.
The invention relates to a credit evaluation index system model (each element scoring table) which is made according with the management characteristics of the electricity selling (distributing) industry and comprises the following components:
the total is divided into five parts, and the full score is 100: basic information (15 points), management (50 points), financial conditions (15 points), public credit status (10 points), financing performance conditions (10 points). A total of 30 small items.
1.1 basic information (15 points)
1.1.1, basic information (7 points): history is along the leather (2 points), organization mechanism is set (2 points), and the great thigh is east with strength (3 points).
1.1.2, human resources (6 points): high quality of the staff (score 3), practitioner (score 3).
1.1.3, basic management (2 points): regulatory coverage (2 points).
1.2 management (50 points)
The index is checked by the provincial electricity selling transaction center and is provided for the third-party credit service organization.
1.2.1, transaction management (33 points): a performance bond (3 points), market enthusiasm (3 points), contract signing (4 points), contract execution (4), operation management (4 points), deviation assessment (4 points), settlement management (4 points), clean energy purchasing (3 points), registration management (4 points),
1.2.2, market behavior (17 points): sales electricity (10 points), number of transaction users (5 points), provincial market share (2 points).
1.3 financial status (15 points)
1.3.1. Percentage of assets liability (% 3).
1.3.2, snap ratio% (3 min).
1.3.3, registered capital ratio% (3 points).
1.3.4, revenue growth rate% (3 points).
1.3.5, the profit growth rate of the main business (3 min).
1.4, public credit status (10 points)
1.4.1, Enterprise Credit record (8 points): administrative supervision credit record (3 points), judicial supervision credit record (3 points), and honor record (2 points);
legal representative credit record (score 2): the legal representatives are reported with bank credit (1 point), the legal representatives are given administrative penalty information (1 point),
1.5 financing and performance status
1.5.1, net equity upper limit rate (5 points).
1.5.2, bank credit performance (5 points).
The electricity selling (distributing) enterprise credit evaluation index system model is shown in table 1.
TABLE 1 Credit appraisement index system model for electricity selling (distributing) enterprise
Second, the reference standard values of the evaluation elements defined in the present invention include:
combining the established mathematical statistics of the reference standard value (element quantization standard value) with the empirical value, wherein the mathematical statistics comprises the following steps: according to the latest annual financial data and electricity selling business transaction data of all electricity selling companies in a certain province, weighted average is carried out, 5 reference values of an optimal value, a better value, an average value, a general value and a worse value of each quantitative index are calculated, the better value or the average value is taken as a reference standard, expert argumentation is organized, the value range is properly adjusted according to expert opinions, the value range is made to accord with the industrial characteristic fact condition of the electricity selling companies, and the condition that the standard is higher or lower to cause lower or higher evaluation results is prevented. The standard value is not invariable and can be adjusted appropriately every year or every few years according to the economic development condition. The quantization standard values of the elements of the present invention are shown in table 2.
Standard 2 quantized standard value of each element
Thirdly, the calculation method and the scoring assessment basis for formulating each index element comprise the following steps:
evaluation criteria of historical welfare are as follows: the established age of the enterprise is more than or equal to 5 years and the score is 2/5 x 2 when the established age is less than 5 years; the organization mechanism sets evaluation criteria as follows: when the stockholders, the board of directors, the prisoners and the managers are completely set, the stockholders are divided into 2 points, and when the stockholders, the board of directors, the prisoners and the managers are not completely set, the stockholders are divided into 0 point; the evaluation standard of the actual force of the great capital east is as follows: the equity of the owner of the big stockholder is more than or equal to 20000 ten thousand yuan and 3 points, when the equity is less than 2000 ten thousand yuan, the equity is 0 point, and the rest points are the amount of the equity of the owner of the big stockholder/20000 x 3 points; the evaluation standard of the quality of the high-quality management personnel is as follows: the score is 3 scores of the total number of persons with the job titles of middle and higher grades or the working qualification certificate/the total number of the high-managed persons; the scoring criteria for the practitioner structure are: when the practitioner is greater than or equal to 20 persons: if the percentage of technical staff in the middle and above-middle classes is more than or equal to 25%, the score is 3, the rest score is 1, and when 20 persons are more than or equal to 10 persons, the technical staff: if the ratio of technical staff in the middle and above is more than or equal to 40%, the score is 3, and the rest scores are 1; the evaluation of the management system coverage condition is marked as follows: when the coverage ratio of each management system is more than or equal to 1, 2 points are obtained, and when the coverage ratio is less than 1, the coverage ratio is obtained as follows: the actual system number is 6 x 2, and the system comprises a financial management system, a credit management system, a labor personnel management system, a file management system, an information safety management system and a post responsibility management system.
The evaluation standard of the fulfillment insurance is as follows: the contract-performing letter of full amount is divided into 3 points according to the specification, otherwise, the score is 0; the evaluation criteria of market enthusiasm are as follows: when the positive ratio of the enterprise market to be evaluated is more than or equal to the average number of the positive ratios of the enterprise markets in provinces, the score is 3, when the positive ratio of the enterprise market is more than or equal to the number of times that the enterprise market participates in the marketized transaction/the number of times that the enterprise is organized in provinces, the score is 0 when the positive ratio of the enterprise market participates in the marketized transaction is 0, and the rest scores are the average number of the positive ratios of the enterprise market participates in the marketized transaction/the number of times that the enterprise market participates in the provinces is 3; the evaluation standard signed by the contract is as follows: the score is 4-the number of times that the contract is not signed in time is 1 score; the evaluation criteria of contract execution are as follows: the annual contract completion rate of the enterprise is divided into 4 points within the allowable deviation, if the difference between every two points is more than 1%, 0.2 point is deducted on the basis of 4 points; the evaluation criteria of the operation management are as follows: if the person is not subjected to the liability complaint score of 4, and if the person is subjected to the liability complaint score of 0; the evaluation standard of the deviation assessment is as follows: the method comprises the following steps: 4-number of occurrences of 1 ten thousand yuan 0.1; the evaluation standard of settlement management is as follows: the method comprises the following steps: 4-number of times of not paying default money by enough amount in time 1; the evaluation criteria for purchasing clean energy are as follows: the ratio of purchasing the clean energy is 3 points when the ratio of purchasing the clean energy is more than or equal to that of the provincial trading platform, and 0.25 point is deducted on the basis of 3 points when the ratio of purchasing the clean energy is less than 10 percentage points of the ratio of purchasing the clean energy by the provincial trading platform; the evaluation criteria of the registration management are as follows: the total score of registration management is 4, if the necessary information in the enterprise registration information is inaccurate, each item is deducted by 1, the information is not changed in time or is not declared to be changed after more than 5 working days, and each time the information is found, the information is deducted by 0.2; the evaluation standard of the sales electricity quantity is as follows: when the enterprise electricity selling quantity is more than or equal to 10 minutes when the provincial transaction center user trades the electricity quantity per unit, and when the enterprise electricity selling quantity is less than the provincial transaction center user trades the electricity quantity per unit, the enterprise electricity selling quantity is 10 minutes when the provincial transaction center user trades the electricity quantity per unit; the evaluation standard of the number of the transaction users is as follows: when the actual number is more than or equal to the average number 125%, 5 points are obtained, when the average number is less than or equal to 50%, 0 point is obtained, and the rest points are actual numbers/average number 0.75 points 5, wherein the actual number is the number of the power selling company proxy users of the enterprises to be evaluated, and the average number is the average number of the power sold by each enterprise in the province; the evaluation standard of the market share is as follows: the provincial market share of the enterprise is more than or equal to 5 percent and 2 points are obtained, the provincial market share of the enterprise is more than or equal to 1 percent and 1.5 points are obtained when the provincial market share is less than 5 percent, 1 point is obtained when the provincial market share of the enterprise is more than 0 and 0 point is obtained when the settlement electric quantity of the enterprise is less than or equal to 0; the lowest score of 0 was obtained for each of the above evaluation criteria.
The evaluation standard of the asset liability ratio is as follows: when the rate of the assets and debts is not more than the lower value, the rate is 3 points, when the rate is not less than the higher value, the rate is 0 point, and the rest rates are: (higher value-asset liability rate)/(higher value-lower value) 3 points; the evaluation criteria for the snap ratio are: when the quick action ratio is more than or equal to a higher value, 3 minutes are obtained, when the quick action ratio is less than or equal to a lower value, 0 minutes are obtained, and the rest of the scores are (quick action ratio-lower value)/(higher value-lower value) × 3; the evaluation criteria for the registered capital ratio were: when the registration capital ratio is more than or equal to 20 percent, 3 points are obtained, and the rest is 0 point; the evaluation criteria of the revenue increase rate are: the business income growth rate is more than or equal to 3 minutes worth of high value, less than or equal to 0 minute worth of low value, and the rest of the ingredients are: (revenue growth rate-lower value)/(higher value-lower value) × 3; the evaluation standard of the profit growth rate of the main business is as follows: the profit growth rate of the main business is more than or equal to a higher value and is worth 3 points, less than or equal to a lower value and is worth 0 point, and the rest of the components are as follows: (increase rate of profit-lower value of business of the owner)/(higher value-lower value) 3; the higher and lower values of the evaluation criteria of the asset liability ratio, the snap action ratio, the revenue growth rate and the profit growth rate of the main business are respectively higher and lower values according to the reference values actually set.
The evaluation of the administrative supervision credit record is as follows: the method comprises the following steps: 3-number of administrative penalties that fail to provide proof of fulfillment x 3-number of administrative penalties that provide proof of fulfillment x 0.1; the evaluation standard of the judicial supervision credit record is as follows: the method comprises the following steps: 3-number of cases that failed to provide proof of fulfillment 3-number of cases that provided proof of fulfillment 0.1; the evaluation criteria of the honor records are as follows: the method comprises the following steps: the number of awards for obtaining the tax rating A in the national association of the trade grade is 0.5 point plus the number of awards for obtaining the tax rating A in the provincial association is 0.2 point, and the highest score is 2 points; the evaluation criteria of the bank credit report of the enterprise are as follows: the method comprises the following steps: 1-overdue arrestment number of records 0.5; the evaluation criteria of the information of the administrative penalty of the legal representative are as follows: the method comprises the following steps: 1-number of administrative penalties that fail to provide proof of fulfillment x 1-number of administrative penalties that provide proof of fulfillment x 0.1; the lowest score of 0 was obtained for each of the above evaluation criteria.
The evaluation standard of the net asset and debt upper limit rate is as follows: when the net-property debt upper limit rate is more than or equal to 100, 5 points are obtained, and the rest points are (the net-property debt upper limit rate/a higher value of the reference value) × 5, the net-property debt upper limit rate is equal to the debt upper limit/the end net-property × 100%, the debt upper limit is equal to the end money fund + the end receivable note + the end receivable account + the end prepaid account + the end inventory-the end short-term loan-the end payable account-the end pre-receivable account; the evaluation criteria of the bank credit performance condition are as follows: the method comprises the following steps: 5-overdue undershoot recording times 1, lowest score 0.
The basis (work draft) for acquiring the evaluation data of all the evaluation elements of the enterprise to be evaluated by the invention is shown in table 3.
TABLE 3 grounds for evaluation data of all evaluation elements of the enterprise to be evaluated
The standard mode of the credit report prepared by the invention comprises a cover page, a credit report summary, a credit report text and accessories, and the specific standard mode of the credit report is as follows:
the evaluation object of the credit evaluation method of the invention is the power selling (distributing) company which has obtained the power market admission, completes the registration process and participates in the power market transaction. The electricity distribution companies listed (blacklisted) in the national company credit information publicity system as heavily illegal distressed companies are not allowed to enter the electricity market.
The object of the present invention and the technical problems solved thereby can be further achieved by the following technical measures.
Preferably, the method for rating the credit of the electricity selling (distributing) company is that the total credit rating of the company is 100, one rating is given to every 10 ratings, and the credit rating of the company is 9 ratings, which are AAA, AA, a, BBB, BB, B, CCC, CC, C.
By the technical scheme, the method for grading the credit of the power selling (distributing) company at least has the following advantages:
the evaluation method can objectively and scientifically evaluate the credit of the power selling (distributing) company, adopts a plurality of evaluation elements to evaluate the company, converts descriptive language of non-financial indexes in the industry into scores, and finally forms a set of complete and scientific credit evaluation model of the power selling (distributing) company.
The foregoing is a summary of the present invention, and in order to provide a clear understanding of the technical means of the present invention and to be implemented in accordance with the present specification, the following is a detailed description of the preferred embodiments of the present invention.
Detailed Description
To further illustrate the technical means and effects of the present invention for achieving the predetermined objects, the following detailed description of the method for rating credit of a power company according to the present invention, its specific implementation, features and effects will be described in detail with reference to the preferred embodiments. In the following description, different "one embodiment" or "an embodiment" refers to not necessarily the same embodiment. Furthermore, the particular features or characteristics of one or more embodiments may be combined in any suitable manner.
One embodiment of the invention provides a method for selling (distributing) electric company credit rating, which comprises the following steps:
(1) according to the credit evaluation element standard of the evaluation company, the evaluation data of all the evaluation elements of the evaluation company are obtained, and the evaluation element data comprise the basic condition, the operation management, the electricity selling market transaction data, the financial condition, the public credit condition and the financing performance condition of the evaluation company;
(2) according to the standard value of each rating element, the evaluation index standard value and the evaluation data of each evaluation element are compared and evaluated, and the score of each evaluation element is confirmed;
(3) calculating the comprehensive score of the company to be evaluated according to the score of the evaluation element;
(4) and confirming the credit rating of the company, and determining the credit rating corresponding to the credit score according to the comprehensive score of the company.
Preferably, the evaluation of the basic condition comprises the coverage conditions of historical welfare, organizational structure setting, capital strength, quality of high-quality management personnel, structure of personnel and management system; the evaluation of the management comprises the following steps: the method comprises the following steps of performing insurance letters, market enthusiasm, contract signing, contract execution, operation management, deviation assessment, settlement management, clean energy purchasing, registration management, electric quantity sale, number of transaction users and market share of a company to be evaluated in the last year; the evaluation of the financial condition comprises: the rate of assets and debts, the rate of quick action, the rate of registered capital, the rate of operating income increase and the rate of operating profit increase; the evaluation of the public credit condition comprises the following steps: administrative supervision credit records of the company, judicial supervision credit records of the company, honor records of the company, bank credit reports of legal representatives, and administrative penalty information of the legal representatives; the evaluation of the financing performance condition comprises net asset debt upper limit rate and bank credit performance condition.
Preferably, the evaluation criteria of the historical leather are as follows: the establishment period of the company is more than or equal to 5 years and the establishment period/5 x 2 points when the establishment period is less than 5 years; the organization mechanism sets evaluation criteria as follows: when the stockholders, the board of directors, the prisoners and the managers are completely set, the stockholders are divided into 2 points, and when the stockholders, the board of directors, the prisoners and the managers are not completely set, the stockholders are divided into 0 point; the evaluation standard of the actual force of the great capital east is as follows: the equity of the owner of the big stockholder is more than or equal to 20000 ten thousand yuan and 3 points, when the equity is less than 2000 ten thousand yuan, the equity is 0 point, and the rest points are the amount of the equity of the owner of the big stockholder/20000 x 3 points; the evaluation standard of the quality of the high-quality management personnel is as follows: the score is 3 scores of the total number of persons with the job titles of middle and higher grades or the working qualification certificate/the total number of the high-managed persons; the scoring criteria for the practitioner structure are: when the practitioner is greater than or equal to 20 persons: if the percentage of technical staff in the middle and above-middle classes is more than or equal to 25%, the score is 3, the rest score is 1, and when 20 persons are more than or equal to 10 persons, the technical staff: if the ratio of technical staff in the middle and above is more than or equal to 40%, the score is 3, and the rest scores are 1; the evaluation of the management system coverage condition is marked as follows: when the coverage ratio of each management system is more than or equal to 1, 2 points are obtained, and when the coverage ratio is less than 1, the coverage ratio is obtained as follows: the actual system number is 6 x 2, and the system comprises a financial management system, a credit management system, a labor personnel management system, a file management system, an information safety management system and a post responsibility management system.
Preferably, the evaluation criteria of the performance insurance are as follows: the contract-performing letter of full amount is divided into 3 points according to the specification, otherwise, the score is 0; the evaluation criteria of market enthusiasm are as follows: when the market positive ratio of the company to be evaluated is more than or equal to the average number of the market positive ratios of companies in province, the score is 3, the market positive ratio of the company is the number of times that the company to be evaluated participates in the market trading/the number of times that the company in province organizes the trading, when the number of times that the company to be evaluated participates in the market trading is 0, the score is 0, and the rest scores are the average number of times that the company to be evaluated participates in the market trading/the number of times that the company in province trades 3; the evaluation standard signed by the contract is as follows: the score is 4-the number of times that the contract is not signed in time is 1 score; the evaluation criteria of contract execution are as follows: the annual contract completion rate of the company is divided into 4 points within the allowable deviation, if the difference between every two points is more than 1%, 0.2 point is deducted on the basis of 4 points; the evaluation criteria of the operation management are as follows: if the person is not subjected to the liability complaint score of 4, and if the person is subjected to the liability complaint score of 0; the evaluation standard of the deviation assessment is as follows: the method comprises the following steps: 4-number of occurrences of 1 ten thousand yuan 0.1; the evaluation standard of settlement management is as follows: the method comprises the following steps: 4-number of times of not paying default money by enough amount in time 1; the evaluation criteria for purchasing clean energy are as follows: the ratio of purchasing the clean energy is 3 points when the ratio of purchasing the clean energy is more than or equal to that of the provincial trading platform, and 0.25 point is deducted on the basis of 3 points when the ratio of purchasing the clean energy is less than 10 percentage points of the ratio of purchasing the clean energy by the provincial trading platform; the evaluation criteria of the registration management are as follows: the total score of registration management is 4, if the necessary information in the company registration information is not accurate, each item is deducted by 1, the information is not changed in time or is not declared to be changed after 5 working days, and each time the information is found, the information is deducted by 0.2; the evaluation standard of the sales electricity quantity is as follows: when the company electric quantity sold is more than or equal to 10 minutes when the provincial trading center users trade the electric quantity per unit, and when the company electric quantity sold is less than the provincial trading center users trade the electric quantity per unit, the company electric quantity sold is 10 minutes when the company electric quantity sold is more than or equal to the provincial trading center users trade the electric quantity per unit, and the provincial trading center users trade the electric quantity per unit of the whole provincial trading in the last year/the number of the company users participating in the trading (distributing); the evaluation standard of the number of the transaction users is as follows: when the actual number is more than or equal to the average number 125%, 5 points are obtained, when the average number is less than or equal to 50%, 0 point is obtained, and the rest points are actual numbers/average number 0.75 points 5, wherein the actual number is the number of the (distribution) power company agent users of the company to be evaluated, and the average number is the average number of power sold by each company in province; the evaluation standard of the market share is as follows: the provincial market share of the company is more than or equal to 5 percent and 2 points are obtained, 1.5 points are obtained when the provincial market share of the company is more than or equal to 1 percent and less than 5 percent, 1 point is obtained when 0< the provincial market share of the company is less than 1 percent, 0 point is obtained when the settlement electric quantity of the company is less than or equal to 0, and the provincial market share of the company is equal to the provincial market settlement electric quantity of the company/the provincial total settlement electric quantity of the provincial electricity selling (distributing) company multiplied by 100 percent; the lowest score of 0 was obtained for each of the above evaluation criteria.
Preferably, the evaluation criteria of the rate of assets liability is as follows: when the rate of the assets and debts is not more than the lower value, the rate is 3 points, when the rate is not less than the higher value, the rate is 0 point, and the rest rates are: (higher value-share rate)/(higher value-lower value) × 3 points, share rate ═ total share/total share × 100%; the evaluation criteria for the snap ratio are: when the quick action ratio is more than or equal to a higher value, 3 points are obtained, when the quick action ratio is less than or equal to a lower value, 0 points are obtained, and the rest points are (quick action ratio-lower value)/(higher value-lower value) × 3, wherein the quick action ratio is quick action assets/flowing liability multiplied by 100%, and the quick action assets are flowing assets-stock; the evaluation criteria for the registered capital ratio were: when the registered capital ratio is more than or equal to 20%, 3 points are obtained, and the rest points are 0 points, wherein the registered capital ratio is real income capital/average total asset multiplied by 100%; the evaluation criteria of the revenue increase rate are: the business income growth rate is more than or equal to 3 minutes worth of high value, less than or equal to 0 minute worth of low value, and the rest of the ingredients are: (business income increase rate-lower value)/(higher value-lower value) × 3, business income increase rate ═ business profit of leading business in the present year-business profit of leading business in the previous year/business profit of leading business in the previous year) × 100%; the evaluation standard of the profit growth rate of the main business is as follows: the profit growth rate of the main business is more than or equal to a higher value and is worth 3 points, less than or equal to a lower value and is worth 0 point, and the rest of the components are as follows: (major business profit growth rate-lower value)/(higher value-lower value) × 3, major business profit growth rate ═ the business profit of the same year-major business profit of the same year/major business profit of the same year x 100%, major business profit ═ major business income-major business cost-major business tax fund and addition; the higher and lower values of the evaluation criteria of the asset liability ratio, the snap action ratio, the revenue growth rate and the profit growth rate of the main business are respectively higher and lower values according to the reference values actually set.
Preferably, the evaluation of the administrative supervision credit record is as follows: the method comprises the following steps: 3-number of administrative penalties that fail to provide proof of fulfillment x 3-number of administrative penalties that provide proof of fulfillment x 0.1; the evaluation standard of the judicial supervision credit record is as follows: the method comprises the following steps: 3-number of cases that failed to provide proof of fulfillment 3-number of cases that provided proof of fulfillment 0.1; the evaluation criteria of the honor records are as follows: the method comprises the following steps: the number of awards for obtaining the tax rating A in the national association of the trade grade is 0.5 point plus the number of awards for obtaining the tax rating A in the provincial association is 0.2 point, and the highest score is 2 points; the evaluation criteria of the bank credit report of the company are as follows: the method comprises the following steps: 1-overdue arrestment number of records 0.5; the evaluation criteria of the information of the administrative penalty of the legal representative are as follows: the method comprises the following steps: 1-number of administrative penalties that fail to provide proof of fulfillment x 1-number of administrative penalties that provide proof of fulfillment x 0.1; the lowest score of 0 was obtained for each of the above evaluation criteria.
Preferably, the evaluation criteria of net-asset-debt upper limit rate are as follows: when the net-property debt upper limit rate is more than or equal to 100, 5 points are obtained, and the rest points are (the net-property debt upper limit rate/a higher value of the reference value) × 5, the net-property debt upper limit rate is equal to the debt upper limit/the end net-property × 100%, the debt upper limit is equal to the end money fund + the end receivable note + the end receivable account + the end prepaid account + the end inventory-the end short-term loan-the end payable account-the end pre-receivable account; the evaluation criteria of the bank credit performance condition are as follows: the method comprises the following steps: 5-overdue undershoot recording times 1, lowest score 0.
The credit rating of the company is 100 points, one grade is given to every 10 points, and the credit rating of the company is 9 grades, namely AAA, AA, A, BBB, BB, B, CCC, CC and C. The company scores and the rank correspondence marks are explained in table 4.
TABLE 4 definition of company scores corresponding to grades
The credit evaluation method according to the present invention described above evaluates the credit of the electric company a, and the scoring table of the credit evaluation of the electric company a is shown in table 5.
TABLE 5A Credit rating Scoring Table for company
TABLE 5 Scoring Schedule for Credit evaluation of company A
The credit status of company A can be clearly seen through the scoring table and the evaluation report.
The above description is only a preferred embodiment of the present invention, and is not intended to limit the present invention in any way, and any simple modification, equivalent change and modification made to the above embodiment according to the technical spirit of the present invention are still within the scope of the technical solution of the present invention.
Claims (4)
1. A method of selling (distributing) an electric company credit rating, characterized by: the method comprises the following steps:
(1) formulating a credit evaluation element index system model which accords with the management characteristics of the selling and power distribution industries;
the established index system model of the credit evaluation element of the power selling and distributing company comprises the following steps: the total score of the evaluation index system is 100, wherein the basic condition is 15, the management and management are 50, the financial condition is 15, the public credit state is 10 and the financing performance is 10; the evaluation of the basic situation comprises 7 points of basic information, 6 points of human resources and 2 points of basic management, wherein the basic information comprises 2 points of historical welfare, 2 points of organizational structure setting and 3 points of capital eastern strength, the human resources comprise 3 points of quality of high-quality management personnel and 3 points of structure of practitioner, and the basic management comprises 2 points of management system coverage; the evaluation of the management comprises the following steps: trade management of 33 points and market behavior of 17 points, wherein the trade management comprises performing insurance letters of 3 points, market enthusiasm, 3 points, contract signing of 3 points, contract execution of 4 points, operation management of 4 points, deviation assessment of 4 points, settlement management of 4 points, clean energy purchase of 3 points and registration management of 4 points. The market behaviors comprise 10 points of electricity sales, 5 points of transaction users and 2 points of provincial market share; wherein the index system model of credit evaluation element of the power distribution company is shown in the following table,
(2) establishing a reference standard value of each evaluation element; calculating 5 reference values of an optimal value, a good value, an average value, a general value and a poor value of each quantitative index according to the financial data and the electricity-selling business transaction data of the last 2 years of all electricity-selling companies in a certain province in a weighted average manner, and taking the good value or the average value as a reference standard value;
(3) formulating a calculation method and a scoring and assessing basis of each index element;
(4) obtaining the basis of the evaluation data of all evaluation elements of a company to be evaluated;
(5) a credit report standard format is formulated.
2. The method for selling (distributing) electric company credit rating according to claim 1, wherein the calculation method and score assessment basis of each index element comprises:
the evaluation criteria of the historical welfare are as follows: the establishment period of the company is more than or equal to 5 years and the establishment period/5 x 2 points when the establishment period is less than 5 years; the organization mechanism sets evaluation criteria as follows: when the stockholders, the board of directors, the prisoners and the managers are completely set, the stockholders are divided into 2 points, and when the stockholders, the board of directors, the prisoners and the managers are not completely set, the stockholders are divided into 0 point; the evaluation standard of the actual force of the great capital east is as follows: the equity of the owner of the big stockholder is more than or equal to 20000 ten thousand yuan and 3 points, when the equity is less than 2000 ten thousand yuan, the equity is 0 point, and the rest points are the amount of the equity of the owner of the big stockholder/20000 x 3 points; the evaluation standard of the quality of the high-quality management personnel is as follows: the score is 3 scores of the total number of persons with the job titles of middle and higher grades or the working qualification certificate/the total number of the high-managed persons; the scoring criteria for the practitioner structure are: when the practitioner is greater than or equal to 20 persons: if the percentage of technical staff in the middle and above-middle classes is more than or equal to 25%, the score is 3, the rest score is 1, and when 20 persons are more than or equal to 10 persons, the technical staff: if the ratio of technical staff in the middle and above is more than or equal to 40%, the score is 3, and the rest scores are 1; the evaluation of the management system coverage condition is marked as follows: when the coverage ratio of each management system is more than or equal to 1, 2 points are obtained, and when the coverage ratio is less than 1, the coverage ratio is obtained as follows: the actual system number is 6 x 2, and the system comprises a financial management system, a credit management system, a labor personnel management system, a file management system, an information safety management system and a post responsibility management system;
the evaluation standard of the fulfillment insurance is as follows: the contract-performing letter of full amount is divided into 3 points according to the specification, otherwise, the score is 0; the evaluation criteria of market enthusiasm are as follows: when the market positive ratio of the company to be evaluated is more than or equal to the average number of the market positive ratios of companies in province, the score is 3, the market positive ratio of the company is the number of times that the company to be evaluated participates in the market trading/the number of times that the company in province organizes the trading, when the number of times that the company to be evaluated participates in the market trading is 0, the score is 0, and the rest scores are the average number of times that the company to be evaluated participates in the market trading/the number of times that the company in province trades 3; the evaluation standard signed by the contract is as follows: the score is 4-the number of times that the contract is not signed in time is 1 score; the evaluation criteria of contract execution are as follows: the annual contract completion rate of the company is divided into 4 points within the allowable deviation, if the difference between every two points is more than 1%, 0.2 point is deducted on the basis of 4 points; the evaluation criteria of the operation management are as follows: if the person is not subjected to the liability complaint score of 4, and if the person is subjected to the liability complaint score of 0; the evaluation standard of the deviation assessment is as follows: the method comprises the following steps: 4-number of occurrences of 1 ten thousand yuan 0.1; the evaluation standard of settlement management is as follows: the method comprises the following steps: 4-number of times of not paying default money by enough amount in time 1; the evaluation criteria for purchasing clean energy are as follows: the ratio of purchasing the clean energy is 3 points when the ratio of purchasing the clean energy is more than or equal to that of the provincial trading platform, and 0.25 point is deducted on the basis of 3 points when the ratio of purchasing the clean energy is less than 10 percentage points of the ratio of purchasing the clean energy by the provincial trading platform; the evaluation criteria of the registration management are as follows: the total score of registration management is 4, if the necessary information in the company registration information is not accurate, each item is deducted by 1, the information is not changed in time or is not declared to be changed after 5 working days, and each time the information is found, the information is deducted by 0.2; the evaluation standard of the sales electricity quantity is as follows: when the company sells electricity quantity more than or equal to the provincial transaction center user average transaction electricity quantity, 10 points are obtained, and when the company sells electricity quantity less than the provincial transaction center user average transaction electricity quantity, 10 points are obtained; the evaluation standard of the number of the transaction users is as follows: when the actual number is more than or equal to the average number 125%, 5 points are obtained, when the average number is less than or equal to 50%, 0 point is obtained, and the rest points are actual numbers/average number 0.75 points 5, wherein the actual number is the number of the agent users of the power selling companies of the company to be evaluated, and the average number is the average number of the power selling of each company in province; the evaluation standard of the market share is as follows: the provincial market share of the company is more than or equal to 5 percent and 2 points are obtained, the provincial market share of the company is more than or equal to 1 percent and 1.5 points are obtained when the provincial market share of the company is less than 5 percent, 1 point is obtained when the provincial market share of the company is more than 0 and less than 1 percent, and 0 point is obtained when the settlement electric quantity of the company is less than or equal to 0; the lowest score of 0 in each of the above evaluation criteria;
the evaluation standard of the asset liability ratio is as follows: when the rate of the assets and debts is not more than the lower value, the rate is 3 points, when the rate is not less than the higher value, the rate is 0 point, and the rest rates are: (higher value-asset liability rate)/(higher value-lower value) 3 points; the evaluation criteria for the snap ratio are: when the quick action ratio is more than or equal to a higher value, 3 minutes are obtained, when the quick action ratio is less than or equal to a lower value, 0 minutes are obtained, and the rest of the scores are (quick action ratio-lower value)/(higher value-lower value) × 3; the evaluation criteria for the registered capital ratio were: when the registration capital ratio is more than or equal to 20 percent, 3 points are obtained, and the rest is 0 point; the evaluation criteria of the revenue increase rate are: the business income growth rate is more than or equal to 3 minutes worth of high value, less than or equal to 0 minute worth of low value, and the rest of the ingredients are: (revenue growth rate-lower value)/(higher value-lower value) × 3; the evaluation standard of the profit growth rate of the main business is as follows: the profit growth rate of the main business is more than or equal to a higher value and is worth 3 points, less than or equal to a lower value and is worth 0 point, and the rest of the components are as follows: (increase rate of profit-lower value of business of the owner)/(higher value-lower value) 3; higher and lower values among the evaluation criteria of the asset liability ratio, the snap ratio, the revenue growth rate and the profit growth rate of the main business are respectively higher and lower values according to the reference value set actually;
the evaluation of the administrative supervision credit record is as follows: the method comprises the following steps: 3-number of administrative penalties that fail to provide proof of fulfillment x 3-number of administrative penalties that provide proof of fulfillment x 0.1; the evaluation standard of the judicial supervision credit record is as follows: the method comprises the following steps: 3-number of cases that failed to provide proof of fulfillment 3-number of cases that provided proof of fulfillment 0.1; the evaluation criteria of the honor records are as follows: the method comprises the following steps: the number of awards for obtaining the tax rating A in the national association of the trade grade is 0.5 point plus the number of awards for obtaining the tax rating A in the provincial association is 0.2 point, and the highest score is 2 points; the evaluation criteria of the bank credit report of the company are as follows: the method comprises the following steps: 1-overdue arrestment number of records 0.5; the evaluation criteria of the information of the administrative penalty of the legal representative are as follows: the method comprises the following steps: 1-number of administrative penalties that fail to provide proof of fulfillment x 1-number of administrative penalties that provide proof of fulfillment x 0.1; the lowest score of 0 in each of the above evaluation criteria;
the evaluation standard of the net asset and debt upper limit rate is as follows: when the net-property debt upper limit rate is more than or equal to 100, 5 points are obtained, and the rest points are (the net-property debt upper limit rate/a higher value of the reference value) × 5, the net-property debt upper limit rate is equal to the debt upper limit/the end net-property × 100%, the debt upper limit is equal to the end money fund + the end receivable note + the end receivable account + the end prepaid account + the end inventory-the end short-term loan-the end payable account-the end pre-receivable account; the evaluation criteria of the bank credit performance condition are as follows: the method comprises the following steps: 5-overdue undershoot recording times 1, lowest score 0.
3. The method of claim 1, wherein the credit rating of the electric company is 100 points, one for every 10 points, and 9 levels, AAA, AA, a, BBB, BB, B, CCC, CC, C, respectively.
4. The method of claim 1, wherein the company credit report format is: cover page, credit report summary, credit report text and accessories.
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Application publication date: 20201023 |