纺织行业信用评级方法

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1、ABSTRACTCreditriskiSaspecialriskinthebackgroundofmarketeconomyenvironment．creditriskiSsignificanttothedevelopmentofmarketeconomyandithaspenetratedintoalmostallaspectofthemarketeconomy．TheresearchconcernaboutthecreditinWesthadbeenstartedlongyearsago．Bynowtheyalreadyhavearelat

2、ivelyperfecttheoreticalfoundation，alargeamountofriskdata，consummatelegalstipulationandmanywell-knownlargecreditagencies．ThedevelopmentofmarketandcreditstartedlateinChina．andweobtaincertainresultsalsoproductsomeproblemswaitedtoresolve．TheeconomicandfinanciaIcrisisalsoconfirmt

3、heglobaltrendofcreditrisk．TheinfluenceoffinanciaIcrisishasnotbeenallover．thecontinuousresearchtothecreditriskprovideaguaranteeforthesustainableandstabledevelopmentofChineseeconomy．CreditriskassessmentiSanimportanttooltotheinvestigationofthecreditriskandalmostalIofbigcommerci

4、albankmakeuseoftheresultsofcreditriskassessmenttoprovidecommercialloan．Theonlyenterprisewhichgainhighevolutioninthecreditriskassessmentwouldbeabletogetcontinuouscapitalloanstosupporttheirdevelopment，andtheenterpriseofhighcreditriskwouldbeeliminatedfromthemarket．Onlythesuperi

5、orwouldbesurvive．whichiSnotonlythenaturallawsbutalsotheeconomicrules．Sotheresearchtothecreditandcreditriskhasbecomeamajorthemeoftheeconomicdevelopment．Thecreditriskfactorswhichaffectenterprisecreditriskassessmentcontainsaimportantindex．thatiStosayindustrycreditrisk．Thestudyo

6、findustryriskisindispensabletotheevolutionofcreditriskenterprisefacedto．ThetargetindustryofthispaperiSthetextileindustry．AsiSknowntoa11．thebasicrequirementsiSvitaltopeople’SIivehoodandtheclothingrepresenttotextileindustry．Thetextileindustrywasalwaysaimportantpillarindustryfo

7、rChineseeconomyfromnationalliberationtothisyear．Underthetrendofeconomicglobalizationthetextileproductshasbecomeimportantexportproductsandbroughtalotofforeignexchange．AlthoughChinesetextileindustryhasmadegreatprogress．fromtheinsideChinesetextileenterprisesalsofacemanyproblems

8、andthehugeimpactthatthefinancialcrisiscausedtoChinesetextileindustryhasalso