KR101908353B1 - Company evaluation system and evaluation method therefor - Google Patents

Abstract

A company evaluation system includes a first evaluation score calculation part for evaluating a company in accordance with an industry characteristic classified in advance and calculating a first evaluation score; a second evaluation score calculation part for evaluating the company using bond interest rate information on a corresponding company per period and calculating a second evaluation score; and an integrated score calculation part for calculating an integrated score using the first evaluation score and the second evaluation score. Limitations such as timeliness can be compensated by reflecting both the industry characteristic and market information.

Description

TECHNICAL FIELD [0001] The present invention relates to a corporate evaluation system,

The present invention relates to an enterprise evaluation system and an evaluation method thereof.

In general, an entity's credit rating is determined by a credit evaluator's assessment. However, in the case of rating by a credit rating agency, there is a fundamental limit to the timeliness of the 'Prudent Rating'.

Therefore, there is a need for a corporate credit rating method (NEEDS) that utilizes the effective rating on the corporate credit presented by the credit rating company, but can compensate for the limitations of timeliness and the like.

In addition, in order to objectively evaluate the validity of the subjective evaluation data of the credit evaluator, by adding qualitative evaluation items and quantitative evaluation items using the effective rating of the corporate credit presented by the credit evaluation company, A corporate credit rating method that can reflect all is required.

Korean Patent Registration No. 0517883: System and Method for Providing Information on Corporate Credit Evaluation (September 28, 2005 Announcement). Domestic patent registration No. 1488242: Evaluation system of enterprise value (Notice of 02 February 2015).

The present invention is an invention aimed at solving the technical problems as described above. The present invention utilizes the effective grade of corporate credit presented by a credit evaluation company to reflect both industry characteristics and market information, thereby completing limitations of timeliness and the like And a method for evaluating the same.

A company evaluation system according to a preferred embodiment of the present invention includes a first evaluation score calculation unit for evaluating a company according to industry characteristics classified in advance and calculating a first evaluation score; A second evaluation score calculation unit for evaluating the company using the periodic bond rate information for the company to calculate a second evaluation score; And an integrated score calculation unit for calculating an integrated score using the first evaluation score and the second evaluation score.

Specifically, the first evaluation score calculation unit may include: a business evaluation unit that calculates a business evaluation score using the score calculated for each of the at least one qualitative evaluation items; And a financial evaluation section for calculating a financial evaluation score using the score calculated for at least one quantitative evaluation item.

In addition, the business evaluation section receives information for selecting one level to which the company belongs, for each of at least one qualitative evaluation items classified into a plurality of levels for each industry to which the company belongs, . In addition, the business evaluation score may be calculated by using the score calculated for the evaluation items for sales, and the score for the evaluation items for the sales is calculated from sales classified into a plurality of levels for each industry to which the company belongs , And automatically selects one level to which the company belongs, or inputs information to be selected. In addition, the business evaluation section calculates a final business evaluation score by summing and applying a predetermined weight to each of scores for a plurality of evaluation items.

Preferably, the financial evaluation unit may automatically select or select one level to which the company belongs, for at least one quantitative evaluation item related to the financial classified into a plurality of levels for each industry to which the company belongs, And the score is calculated by receiving the input data. In addition, the financial evaluation section calculates a final financial evaluation score by summing and applying a predetermined weight to each of scores for a plurality of evaluation items.

The second evaluation score calculation unit may set the first interest rate boundary value and the second interest rate boundary value of the bond interest rate value of the company by maturity and use the first interest rate boundary value and the second interest rate boundary value , And a second evaluation score for the company is calculated. Specifically, the second evaluation score calculator sets an interest rate boundary value between the base grades for a predetermined interest rate value per maturity for a plurality of basic grades that classify each company as a whole, And the second interest rate boundary value is set to a second interest rate boundary value that is lower than the bond interest rate value per maturity of the company by setting the interest rate boundary value as a second interest rate boundary value, . That is, the second evaluation score calculator calculates a position score using the position value of the bond interest rate value of the corresponding company between the first interest rate boundary value and the second interest rate boundary value, and calculates a position score The preliminary score divided by the ratio of the amount of the bonds to maturity of the total credits is calculated and the preliminary scores of all maturities are summed to calculate the second evaluation score.

Wherein the position score is a predetermined first score having a grade lower than the base grade by a predetermined value corresponding to the first interest rate boundary value and a score corresponding to the second interest rate boundary value is a predetermined The second score is calculated using the proportional value of the position value between the first score and the second score.

According to a preferred embodiment of the present invention, there is provided a method for evaluating an enterprise, comprising the steps of: (a) calculating a first evaluation score by performing an evaluation on a company according to pre- (b) calculating a second evaluation score by evaluating the company using maturity-based bond yield information for the company; And (c) calculating an integration score using the first evaluation score and the second evaluation score.

Specifically, the step (a) includes the steps of: (a-1) calculating a business evaluation score using a score calculated for each of at least one qualitative evaluation item; And (a-2) calculating a financial evaluation score using the score calculated for at least one quantitative evaluation item.

Further, in the step (a-1), information for selecting one level to which the company belongs is input to at least one qualitative evaluation item classified into a plurality of levels for each industry to which the company belongs And calculates each score. Further, in the step (a-1), the score calculated for the evaluation items for sales is further used, and the score for the evaluation items for the sales is classified into a plurality of levels for each industry to which the company belongs And automatically selecting one level to which the company belongs or inputting the information to be selected. Preferably, in the step (a-1), a final business evaluation score is calculated by applying a predetermined weight to each of the scores for a plurality of evaluation items and summing them.

In the step (a-2), it is preferable that, for at least one quantitative evaluation item related to a financial entity classified into a plurality of levels for each industry to which the company belongs, And the score is calculated by receiving input of the information. In the step (a-2), a final financial evaluation score is calculated by adding predetermined weights to the scores for a plurality of evaluation items and summing them.

Preferably, the step (b) further comprises: setting a first interest rate boundary value and a second interest rate boundary value of a maturity bond interest rate value of the company, and using the first interest rate boundary value and the second interest rate boundary value And a second evaluation score for the company is calculated. In addition, in the step (b), an interest rate boundary value between the base grades is set for a predetermined interest rate value per maturity for a plurality of basic grades that classify each company as a whole, and the interest rate value Setting the interest rate boundary value having a higher interest rate value as the first interest rate boundary value and setting the interest rate boundary value having the interest rate value lower than the bond interest rate value per term of the company as the second interest rate boundary value to calculate the second evaluation score do. The step (b) may further include calculating a position score using the position value of the bond interest rate value of the corresponding company between the first interest rate boundary value and the second interest rate boundary value, The preliminary score divided by the ratio of the amount of the bond to the amount of the bond to the amount of the bond is calculated and the preliminary score for every maturity is summed to calculate the second evaluation score.

Wherein the position score is a predetermined first score having a grade lower than the base grade by a predetermined value corresponding to the first interest rate boundary value and a score corresponding to the second interest rate boundary value is a predetermined A second score, and a proportional value of the position value between the first score and the second score.

According to the enterprise rating system and the evaluation method of the present invention, it is possible to compensate for limitations such as timeliness by reflecting both the industry-specific characteristics and the market information by utilizing the effective grade regarding the corporate credit presented by the credit evaluator.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram of an enterprise evaluation system according to a preferred embodiment of the present invention; FIG.
FIG. 2 is an explanatory diagram of setting of a first interest rate boundary value and a second interest rate boundary value; FIG.
3 is a flowchart of a company evaluation method according to a preferred embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, an enterprise evaluation system and an evaluation method thereof according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

It should be understood that the following embodiments of the present invention are only for embodying the present invention and do not limit or limit the scope of the present invention. It will be understood by those of ordinary skill in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims.

First, FIG. 1 shows a configuration diagram of an enterprise evaluation system 100 according to a preferred embodiment of the present invention.

1, the enterprise rating system 100 according to the preferred embodiment of the present invention includes an input unit 110, a first evaluation score calculation unit 120, a second evaluation score calculation unit 130, An integrated score calculation unit 140, a data storage unit 150, and a verification unit 160.

The input unit 110 receives input of user data using input means such as a keyboard or a mouse.

The first evaluation score calculation unit 120 performs evaluation on the company in accordance with the industry-specific characteristics classified in advance, and calculates the first evaluation score. In addition, the second evaluation score calculation unit 130 performs evaluation on the company using the bond interest rate information for each company for the period, and calculates the second evaluation score. In addition, the integrated score calculation unit 140 serves to calculate an integrated score using the first evaluation score and the second evaluation score.

The data storage unit 150 stores input data and / or output data of the first evaluation score calculation unit 120, the second evaluation score calculation unit 130, and the integrated score calculation unit 140. [

Hereinafter, the operation of the enterprise rating system 100 according to one preferred embodiment of the present invention will be described in detail.

The first evaluation score calculation section 120 includes a business evaluation section 121 and a financial evaluation section 122.

The business evaluation section 121 serves to calculate the business evaluation score using the score calculated for the evaluation item for the score and sales calculated for each of at least one qualitative evaluation item

In the present invention, it is preferable that the industry is classified in advance into a number of categories such as construction, broadcasting, distribution, food and beverage, automobile parts and shipping.

The business evaluation section 121 calculates a score at a plurality of levels for each evaluation item with respect to the industry to which the company belongs.

The business evaluation section 121 receives information for selecting one level to which the company belongs for at least one qualitative evaluation item classified into a plurality of levels for each industry to which the company belongs, .

For example, in the case of the food and beverage industry, at least one qualitative assessment item includes an industry risk, business or regional diversification degree, brand power, and market status, each of which is categorized into multiple levels by industry to which the company belongs. However, the qualitative evaluation items for each industry can be specified differently considering industry characteristics.

In the case of the food and beverage industry, the industrial risk level is an evaluation item on the stability of the industry. For example, the five types of industry risk are 'very stable', 'stable', 'good', 'disadvantage', 'negative' For the classification level, the user's selection information is input from the input unit 110 or the data storage unit 150, and a predetermined score is assigned to the selected information.

The degree of business or regional diversification is an evaluation item on the degree of diversification of the business field and the business area of the company. For example, 'diversification of products and businesses in more than two countries',' stable ',' The user's selection information is inputted from the input unit 110 or the data storage unit 150 for five classification levels of 'disadvantage', 'negative', 'very negative' do.

The calculation of the score for the evaluation items for the sales in the business evaluation unit 121 is performed by the business evaluation unit 121 from the sales classified into a plurality of levels for each industry to which the company belongs, Or by automatically inputting information to be selected or selected. Although the calculation of the score for the evaluation item on the sales evaluation section 121 exists as an evaluation item for all industries regardless of the industry, a plurality of levels for classification of sales are different in consideration of industry characteristics Can be set.

The business evaluation section 121 calculates a final business evaluation score by adding a predetermined weight to each of scores of a plurality of evaluation items including evaluation items for qualitative evaluation and sales do.

The financial evaluation unit 122 calculates the financial evaluation score using the score calculated for at least one quantitative evaluation item relating to finance.

At least one quantitative evaluation item on finance is the EBITDA (Earnings Before Interest, Taxes, Depreciation and Amortization) margin divided by the industry to which the company belongs, EBITDA divided by total finance Cost, debt-to-equity ratio, and debt-to-equity ratio.

Specifically, the financial evaluation unit 122 automatically selects one level to which the company belongs, or selects one level to which the company belongs, for at least one quantitative evaluation item related to the finance classified into a plurality of levels for each industry to which the company belongs And the score is calculated by receiving the information that the user has.

For example, the EBITDA margins are divided into five classification levels: 'more than 15%', 'more than 11%', 'more than 8%', 'more than 5%', 'more than 2% The financial evaluation unit 122 automatically selects one level to which the company belongs or receives the selection information of the user from the input unit 110 or the data storage unit 150 and stores a predetermined score .

Regardless of the classification of the industry, the evaluation items included in the financial evaluation unit 122 are the same, but as with the calculation of the score for the evaluation items on the sales evaluation unit 121, Characteristics are taken into consideration.

In addition, the financial evaluation unit 122 calculates a final financial evaluation score by summing and applying a predetermined weight to each of the scores for the plurality of evaluation items.

The first evaluation score calculation unit 120 calculates a sum of the business evaluation score calculated by the business evaluation unit 121 and the financial evaluation score calculated by the financial evaluation unit 122 by adding weights, . For example, weights can be applied 40% to the business evaluation score and 60% to the financial evaluation score.

The second evaluation score calculation unit 130 sets the first interest rate boundary value and the second interest rate boundary value of the bond interest rate value of the company by maturity and uses the first interest rate boundary value and the second interest rate boundary value, And to calculate a second evaluation score for the company. That is, the second evaluation score calculator 130 defines the range of the interest rate included in one base grade, using the first interest rate boundary value and the second interest rate boundary value.

That is, the second evaluation score calculation unit 130 sets an interest rate boundary value between the base grades for a predetermined interest rate value per maturity for a plurality of basic grades, It is used to determine the position between grades.

FIG. 2 is an explanatory diagram of setting of a first interest rate boundary value and a second interest rate boundary value.

Specifically, the interest rate boundary value between the base grades is set for a predetermined interest rate value per maturity for a plurality of basic grades that classify each company as a whole, and an interest rate boundary with a higher interest rate value Is set as a first interest rate boundary value and a second interest rate boundary value is set as a second interest rate boundary value having a lower interest rate value than a maturity-based bond interest rate value of the corresponding company. For reference, the predefined maturity interest rates for a number of baselines that classify each entity as a whole are generally available from what is called a private assessor interest rate.

In this case, a plurality of basic grades that classify each of the predetermined total companies are AAA, AA +, AA-, A, A-, BBB +, BBB, and BBB- , BB +, BB, and B, and may receive input information from the input unit 110 or use information stored in the data storage unit 150 for the corresponding company.

[Table 1] is an example of a predetermined interest rate per maturity for the AA-, A +, A, A- grades.

Item name Less than March
(day) Less than June
(day) Less than September
(day) Less than 1 year
(day) 2 years or less
(day) Less than 3 years
(day) 5 years or less
(day) Less than 10 years
(day) AA- 1.487 1.506 1.527 1.549 1.589 1.662 1.859 2.743 A + 1.831 1.886 1.933 2.012 2.104 2.250 2.477 3.291 A 1.975 2.0178 2.081 2.175 2.264 2.497 2.872 3.733 A- 2.175 2.241 2.295 2.400 2.515 2.842 3.391 4.187

If the lower bound for each grade is based on α% from the higher grade in the interest rate value between the higher basic grade and the lower basic grade, it is called the interest rate 'c' of the base grade and the interest rate D ', the lower bound of the corresponding base class is defined as c- (cd) * (α / 100). If the reference value α for setting the boundary is 40, that is, if the lower boundary for each class is based on 40% of the higher class in the interest rate between the higher basic class and the lower basic class, The boundary will be set to c- (cd) * (0.4).

In this way, the boundary value of the lower interest rate of each grade is calculated as shown in [Table 2].

Item name Less than March
(day) Less than June
(day) Less than September
(day) Less than 1 year
(day) 2 years or less
(day) Less than 3 years
(day) 5 years or less
(day) Less than 10 years
(day) AA-bottom 1.625 1.658 1.689 1.735 1.795 1.897 2.106 2.962 A + bottom 1.889 1.943 1.992 2.077 2.168 2.349 2.635 3.468 A bottom 2.055 2.113 2.167 2.265 2.364 2.635 3.080 3.915

If the value of the bond interest below September is 2.017 for a certain company, the interest rate boundary value of 2.167, which is higher than the interest rate of the company below the September bond rate, is set as the first interest rate boundary value. The interest rate boundary value 1.992, which is lower than the bond interest rate value, becomes the second interest rate boundary value.

The second evaluation score calculation unit 130 calculates a position score using the position value of the corresponding bond interest rate value of the company between the first interest rate boundary value and the second interest rate boundary value, A preliminary score divided by the ratio of the amount of the maturity of the bonds to the maturity of the bonds is calculated and the preliminary scores of all maturities are summed to calculate the second evaluation score.

Specifically, the position score is calculated by setting a score corresponding to the first interest rate boundary value to a predetermined first score of a grade lower than the base grade by a predetermined degree, and assigning a score corresponding to the second interest rate boundary value to a predetermined The second score is calculated using the proportional value of the position value between the first score and the second score.

The predetermined score for each base grade can be shown as [Table 3].

 Basic grade score AAA 90 AA + 85 AA 80 AA- 75 A + 70 A 65 A- 60 BBB + 55 BBB 50 BBB- 45 BB + 40 BB 35 B 25

If a company has a bond interest rate of 2.017 or less for a certain company, the base grade of the company corresponds to A +, the score corresponding to the first interest rate boundary value of 2.167 is 65 points, and the second interest rate boundary value The score corresponding to 1.992 is 70 points.

At this time, the position score corresponding to the proportional value of the position value between the first score and the second score is given as 70 - {5 * (2.017-1.992) / (2.167-1.992)} = 69.293.

In addition, if the company owns 20 billion won in September, 2 year and 3 year bonds, the preliminary score in September (position score) * (September maturity bond / total bond) = 23.098 . In addition, the preliminary score of two years (23.529) and the preliminary score of three years (23.677) are added to the preliminary score of September, resulting in a final evaluation score of 70.304.

It is preferable that the integrated score calculation unit 140 calculates the final integration score by applying weights to the first evaluation score and the second evaluation score to add up. For example, a weight of 50% can be applied to each of the first evaluation score and the second evaluation score.

The verification unit 160 compares the base rating value input to the enterprise with the rating value based on the evaluation score for each of the first evaluation score, the second evaluation score, and the integration score.

By the comparison by the verification unit 160, it is possible to grasp a difference between the credit rating by the existing credit rating company and the evaluation result by the enterprise rating system 100 of the present invention.

FIG. 3 shows a flowchart of a company evaluation method according to a preferred embodiment of the present invention.

The company evaluation method according to the preferred embodiment of the present invention uses all the features of the company evaluation system 100 without any description because it uses the company evaluation system 100 described above.

A company evaluation method according to a preferred embodiment of the present invention may be implemented in the form of a computer software program and executed by a processor.

As can be seen from FIG. 3, the enterprise evaluation method according to the preferred embodiment of the present invention includes the steps of (S10) calculating a first evaluation score by performing an evaluation on a company according to industry characteristics classified in advance, (S20) of calculating a second evaluation score by performing an evaluation on the relevant company using the maturity-based bond interest rate information for the relevant company and calculating an integrated score using the first evaluation score and the second evaluation score (S30).

Step S10 includes calculating a business evaluation score using the score calculated for each of at least one qualitative evaluation item (S11), and calculating a financial evaluation score (S11) using the score calculated for at least one quantitative evaluation item (Step S12).

In step S11, information for selecting one level to which the company belongs is input to at least one qualitative evaluation item classified into a plurality of levels for each industry to which the company belongs, thereby calculating each score . Preferably, in the step S11, the score calculated for the evaluation items for sales is further used, and the score for the evaluation items for sales is calculated from sales classified into a plurality of levels for each industry to which the company belongs, And automatically selecting one level to which the company belongs or inputting information to be selected.

Further, in step S11, a final business evaluation score is calculated by applying predetermined weights to the scores for a plurality of evaluation items and summing them.

In step S12, for at least one quantitative evaluation item for each of the financials classified into a plurality of levels for each industry to which the company belongs, it is possible to automatically select one level to which the company belongs, And the score is calculated by the following equation. In addition, in step S12, it is preferable to calculate the final financial evaluation score by summing and applying a predetermined weight to each of the scores for the plurality of evaluation items.

At least one quantitative evaluation item on finance is the EBITDA (Earnings Before Interest, Taxes, Depreciation and Amortization) margin divided by the industry to which the company belongs, EBITDA divided by total finance Cost, debt-to-equity ratio, and debt-to-equity ratio.

In addition, in step S20, a first interest rate boundary value and a second interest rate boundary value of the bond interest rate value by maturity are set for the company, and using the first interest rate boundary value and the second interest rate boundary value, 2 evaluation score is preferably calculated.

In step S20, an interest rate boundary value between the base grades is set for a predetermined interest rate value per maturity for a plurality of basic grades that classify each company as a whole, and an interest rate value with a higher interest rate value And the second evaluation score is calculated by setting the boundary value as the first interest rate boundary value and setting the interest rate boundary value having the interest rate lower than the bond interest rate value per maturity of the company as the second interest rate boundary value.

Specifically, in step S20, a position score is calculated using the position value of the bond interest rate value of the corresponding company between the first interest rate boundary value and the second interest rate boundary value, and the position score for each maturity is matched with the corresponding maturity , And the second evaluation score is calculated by summing up the preliminary scores for all maturities.

Here, the position score may be determined by setting a score corresponding to the first interest rate boundary value to a predetermined first score of a grade lower than the base grade by a predetermined degree, and assigning a score corresponding to the second interest rate boundary value to a predetermined grade 2, and is calculated using the position of the position value between the first score and the second score.

As described above, according to the enterprise rating system (100) and the evaluation method of the present invention, by utilizing both the industry-specific characteristics and the market information, such as the bond interest rate, by utilizing the effective rating on the corporate credit presented by the credit evaluator, And so on.

100: Corporate rating system
110: input unit
120: first evaluation score calculating section
130: second evaluation score calculating section
140: Integrated score calculation unit
150: Data storage unit
160:
121: Business Evaluation Department
122: Financial Evaluation Department

Claims (20)

In the enterprise evaluation system,
A first evaluation score calculation unit for evaluating a company according to industry characteristics classified in advance and calculating a first evaluation score;
A second evaluation score calculation unit for evaluating the company using the periodic bond rate information for the company to calculate a second evaluation score; And
And an integrated score calculation unit for calculating an integrated score using the first evaluation score and the second evaluation score,
Wherein the second evaluation score calculation unit
The interest rate boundary value having a higher interest rate value than the maturity-based bond interest rate value is set as the first interest rate boundary value for the pre-determined maturity interest rate value for a plurality of basic grades that classify each company as a whole, Setting a interest rate boundary value having a lower interest rate value than a maturity-based bond interest rate value as a second interest rate boundary value, and using the position value of the interest rate value of the corresponding company between the first interest rate boundary value and the second interest rate boundary value Calculating a position score by calculating a position score obtained by dividing the position score of each maturity by the ratio of the maturity amount of credits to the total amount of credits and summing all the preliminary scores by maturity to calculate the second evaluation score Features a corporate rating system. The method according to claim 1,
Wherein the first evaluation score calculator calculates,
A business evaluation section for calculating a business evaluation score using the score calculated for each of at least one qualitative evaluation item; And
And a financial evaluation section for calculating a financial evaluation score using the score calculated for at least one quantitative evaluation item,
The business evaluation section,
Characterized in that each score is calculated by inputting information for selecting at least one level belonging to the company for at least one qualitative evaluation item classified into a plurality of levels for each industry to which the company belongs Evaluation system. 3. The method of claim 2,
The business evaluation score,
Use more of the calculated scores for the sales items,
The calculation of the score for the evaluation items for the sales,
Wherein the business evaluation system is characterized in that the business evaluation system is characterized in that the business evaluation system is characterized in that the business evaluation system is characterized in that the business evaluation system is characterized in that the business evaluation system is characterized by automatically selecting a level to which the company belongs from sales classified into a plurality of levels. The method of claim 3,
The business evaluation section,
Wherein a final business evaluation score is calculated by applying a predetermined weight to each of scores for a plurality of evaluation items and summing them. 3. The method of claim 2,
The financial evaluation unit,
A score is calculated by automatically selecting one level to which the company belongs or by receiving information to be selected for at least one quantitative evaluation item related to the finance classified into a plurality of levels for each industry belonging to the company to which the company belongs The company evaluation system is characterized by. 6. The method of claim 5,
The financial evaluation unit,
Wherein a final financial evaluation score is calculated by applying a predetermined weight to each of scores for a plurality of evaluation items and summing them. delete delete delete The method according to claim 1,
The location score may include:
The score corresponding to the first interest rate boundary value is a first predetermined score of a grade lower than the base grade by a predetermined grade and the score corresponding to the second interest rate boundary value is a predetermined second grade of the base grade , And calculating the proportional value of the position value between the first score and the second score. In an enterprise evaluation method implemented by an enterprise evaluation system,
(a) calculating a first evaluation score by performing an evaluation on a company according to pre-classified industry characteristics;
(b) calculating a second evaluation score by evaluating the company using maturity-based bond yield information for the company; And
(c) calculating an integration score using the first evaluation score and the second evaluation score,
The step (b)
The interest rate boundary value having a higher interest rate value than the maturity-based bond interest rate value is set as the first interest rate boundary value for the pre-determined maturity interest rate value for a plurality of basic grades that classify each company as a whole, Setting a interest rate boundary value having a lower interest rate value than a maturity-based bond interest rate value as a second interest rate boundary value, and using the position value of the interest rate value of the corresponding company between the first interest rate boundary value and the second interest rate boundary value Calculating a position score by calculating a position score obtained by dividing the position score of each maturity by the ratio of the maturity amount of credits to the total amount of credits and summing all the preliminary scores by maturity to calculate the second evaluation score A corporate valuation method characterized by. 12. The method of claim 11,
The step (a)
(a-1) calculating a business evaluation score using a score calculated for each of at least one qualitative evaluation item; And
(a-2) calculating a financial evaluation score using a score calculated for at least one quantitative evaluation item,
The step (a-1)
Characterized in that each score is calculated by inputting information for selecting at least one level belonging to the company for at least one qualitative evaluation item classified into a plurality of levels for each industry to which the company belongs Assessment Methods. 13. The method of claim 12,
The step (a-1)
Use more of the calculated scores for the sales items,
The calculation of the score for the evaluation items for the sales,
Characterized in that the business evaluation method is carried out by automatically selecting a level to which the company belongs from sales classified into a plurality of levels for each industry to which the company belongs, or by inputting information to be selected. 14. The method of claim 13,
The step (a-1)
Wherein a final business evaluation score is calculated by applying a predetermined weight to each of the scores for a plurality of evaluation items and summing up the sum. 13. The method of claim 12,
The step (a-2)
A score is calculated by automatically selecting one level to which the company belongs or by receiving information to be selected for at least one quantitative evaluation item related to the finance classified into a plurality of levels for each industry belonging to the company to which the company belongs A method for evaluating a company. 16. The method of claim 15,
The step (a-2)
Wherein a final financial evaluation score is calculated by summing and applying a predetermined weight to each of scores for a plurality of evaluation items. delete delete delete 12. The method of claim 11,
The location score may include:
The score corresponding to the first interest rate boundary value is a first predetermined score of a grade lower than the base grade by a predetermined grade and the score corresponding to the second interest rate boundary value is a predetermined second grade of the base grade , And calculating the proportional value of the position value between the first score and the second score.

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