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SPDB Heavy Industry Enterprise Credit Rank Evaluation System Research

Author: XuChiZuo
Tutor: ChiGuoTai
School: Dalian University of Technology
Course: Business Administration
Keywords: Credit rating Credit Risk Heavy industry companies Shanghai Pudong Development Bank
CLC: F832.4
Type: Master's thesis
Year: 2011
Downloads: 59
Quote: 0
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Abstract


Credit rating as the primary basis for the work of the credit business, has played an important role in the risk control pass. However, with the continuous development of existing technology, Shanghai Pudong Development Bank executed a credit rating system of the past 17 years has been showing the old state, has lagged behind some of its technical indicators, lead credit rating deviations occur, is no longer applicable to the new situation. Continue to follow the existing credit evaluation system, is bound to create a certain amount of risk evaluation deviation, therefore, the credit rating system has come to the stage must be adjusted. The paper is divided into four parts, the first chapter introduces the research background, the second chapter focuses on the research enterprise customers in heavy industry of Shanghai Pudong Development Bank credit rating system status, about each of the indicators used in the evaluation system, and a brief profiling. Chapter propose a solution, the problems on the Shanghai Pudong Development Bank heavy industrial customer credit rating system, rating elements make appropriate updates, and focus on the selection of indicators, the key elements of the weight adjustment scores calculated Chapter empirical research, select a listed company as a sample comparison test, respectively, using the old and the new rating system, comparative analysis of the rating results, and to verify the validity of the credit rating upgraded system proposed in this paper. The focus of this research is the selection of indicators of heavy industry enterprises of Shanghai Pudong Development Bank Credit Ratings, weight adjustment, specifically, is the replacement for the original heavy industry corporate credit rating system is no longer applicable in today's social situation indicators, choose better able to on behalf of the law of the indicators of the modern enterprise management, operating results reflect the complete business management situation, financial situation to help banks make more accurate judgments, enabling scientific determination of the degree of risk for the bank Decision support security. This article features and innovative total the following four aspects: First adjust the six important indicators of the cash flow into the credit rating system, and give the corresponding rights, reflect a lack of practical problems to solve the existing research and practice of corporate solvency . Is modified so that the new letter of credit evaluation system for Credit Ratings Sino-African financial factors and financial factors wholly objectively reflect the true management level. The third is an upgraded version of the credit evaluation system (updated version) model index weights are used uniform standards set to ensure the objectivity of the rating results. This paper adopts the method of combining dynamic and static balance indicators of cash flow rating study, pay attention to the manifestation of the development of enterprises and change the impact of the evaluation system, changing only focus on static indicators, only reflects the company's short-term operating The outcome of the status quo.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
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