企业信用评级模型

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1、企业信用评级模摘要社会信用体系是市场经济体制中的重要体系。当前，社会中商业欺诈，制假售假，非法集资等现象屡禁不止，这些社会信用问题归根到底都是企业信用的问题，因此，科学、合理、公正、权威的企业信用评级技术是当前紧要的任务。本文通过研究研究国内外企业信用评价方法，构建了一个企业信用评价平台。该平台提供了信用评价，信用等级，信用反馈等功能，是一个功能非常完备的信用评价平台。企业信用评级模型是评价企业信用等级的有效工具，随着全世界债券市场的迅猛发展、抵押品价值降低及其波动性增加，该模型将会得到更为广泛的关注，并将为我国各公司企业运用数学模型度量企业信用评级提供了重要参考意义

2、。 关键词：数学模型企业信用等级企业信用评级模型信用评价AbstractThesocialcreditsystemisanimportantsystemofmarketeconomysystem.Atpresent,commercialfraudinthesocietyofcounterfeitgoods,thephenomenonsuchasillegalfund-raising,thesocialcreditproblemsinthefinalanalysisareenterprisecreditproblems,therefore,scientific,reas

3、onable,fairandauthorityofenterprisecreditratingtechnologyisthecurrenturgenttask.Throughresearchtheenterprisecreditevaluationmethodsbothathomeandabroad,thispaperbuildsaenterprisecreditevaluation,creditrating,creditfeedback,andotherfunction,isaverycompletecreditevaluationplatform.Enterpri

4、secreditratingmodelisaneffectivetoolforevaluationofenterprisecreditratingwiththerapiddevelopmentofbondmarketsaroundtheworldthevalueofcollateralreducesanditsvolatilityincreases,themodelwillbemorewidespreadattention,andthemathematicalmodelforthecompaniesinourcountryenterpriseusemetricente

5、rprisecreditratingprovidesanimportantreferencesignificance.Keywords:mathematicalmodelEnterprisecreditratingEnterprisecreditratingmodelCreditevaluation目录摘要·················……························Abstract··········································第一章绪论···································

6、·······11.1选题背景和意义·································11.2国内外文献综述·································21.2.1国外研究现状·······························21.2.2国内研究现状·······························51.3我国研究现状及存在的问题························9第二章信用评级主要方法与模型综述····················102.1专家评估法及其优缺点··············

7、···············102.2财务比率分析法及其优缺点·························122.3多元判别分析(MDA)及其优缺点····················142.4logistic分析及其优缺点··························152.5非参数方法········································172.5.1聚类分析及其优缺点····························172.5.2K近邻判别及其优缺点·······················