纺织行业信用风险评估系统构建与分析--以滨州市纺织行业为例

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1、万方数据山东大学硕士学位论文AbstractInrcentyears，theworldeconomicdownturn，Chinaeconomicslowdown，facesdeep—seatedcontradictionsintheprocessofeconomicdevelopmentbegantoappear,whichtriggeredtheriskconcentrationrisktothebanktransfer,theeffectivepreventionoftheriskhasbecomeanimportantmean

2、stoensurethequalityofassetsofthebank，therefore，theestablishmentofacompletesetofeffectivecreditriskassessmentsystemhasbecomethekeytheriskprevention．BinzhouCity,ShandongProvince，asoneofthemaincottonproducingareas，hasalonghistoryofcottonandtextile，textileindustryafteryears

3、ofdevelopment，acompleteandperfect，hasformedalargeindustrialsystem．Textileindustrycreditoccupyacertainproportioninthelocalfinancialinstitutionsallcredit，withXbankBinzhoubranchasanexample，asof6attheendof2014，thetextileindustryloansaccountedforl1．37％ofthecreditbalance．Buti

4、nrecentyears，thetextileindustrybysharpfluctuationsincottonprices，risinglaborcosts，RMBexchangerate，intemationalcompetitionandotherfactors，enterprisesarefacingmultiplechallenges．Therefore，theestablishmentofacompletesetofeffectivetextileindustrycreditriskassessmentsystemha

5、sbecomeallimportantpartofeffectiveriskprevention．．Firstly,basedontheanalysisandResearchoncreditriskandriskassessmentsystemofcredit，researchscholars，understandingthebasicconcept．Secondly,thepaperintroducestheoverMlsituationoftextileindustryinBinzhoucity．ThemaincityofBinz

6、houtextileindustrycharacteristicsandthecreditriskstatus．Onceagain，asthefocusofthispaper,thearticledetailedanalysisofthefactorstoconstructtheriskevaluationsystemofcredit，includingtheindustryaccesssystem，integratedtwo—dimensionalratingsystem，creditassetclassificationsyste

7、m．Finally,thepapermadeasummaryandoutlook．ThroughtheresearchonthecreditriskstatusofthetextileindustryinBinzhouCity,multiangleanalysisoftheoverallsituationoftextileindustryofBinzhouCity,throughthetext，data，questionnairemethodshowsthetextileindustryrisktowaysandmeansofcont

8、rol，onthebasisofthisputforwardtothetextileindustryofBinzhouCitycreditriskevaluationsystem．Keywords：Creditrisk；