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| 财务预警模型在银行信用评价系统中的应用 | |
| 引用本文： | 陈专,梁霞. 财务预警模型在银行信用评价系统中的应用[J]. 宁波大学学报(理工版), 2005, 18(3): 365-371 |
| 作者姓名： | 陈专 梁霞 |
| 作者单位： | 浙江经济职业技术学院,浙江,杭州,310018;兴业银行,杭州分行,浙江,杭州,310006 |
| 摘 要： | 商业银行作为我国金融企业的主体其资产运营管理安全比一般的企业更加重要,它关系到国家的金融安全.本文认为确保贷款的安全,保证金融企业的资产安全,要从根源上即信贷客户信用评估入手,确保信贷客户的质量,正确评估信贷客户的偿还能力.本文从金融企业资产管理的角度出发,在借鉴前人的理论研究和实践经验的基础上,结合我国的现状,改进目前的信用评价系统,构建一个适用于我国商业银行信贷客户的新型信用评价系统,并运用实证方法,通过2002年23家上市公司和9家非上市公司的相关财务数据分析和验证新型信用评价系统的可操作性和合理性. |
| 关 键 词： | 财务预警模型 信用评价系统 应用研究 |
| 文章编号： | 1001-5132(2005)03-0365-07 |
| 收稿时间： | 2005-07-10 |
| 修稿时间： | 2005-07-10 |
The Research on the Applications of Financial Risk Evaluation in Banks Credit Evaluation System |
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| CHEN Zhuan,LIANG Xia. The Research on the Applications of Financial Risk Evaluation in Banks Credit Evaluation System[J]. Journal of Ningbo University(Natural Science and Engineering Edition), 2005, 18(3): 365-371 | |
| Authors: | CHEN Zhuan LIANG Xia |
| Affiliation: | 1. Zhejiang Economy Technology Institute, Hangzhou 310018, China; 2. Hangzhou Branch of Industry Bank, Hangzhou 310006, China |
| Abstract: | It is critical ensure the safety of assets operations for commercial banks for they constitute the principal part of financial enterprises in China.To keep the safety of credit assets,it is necessary to evaluate the credit of customers.In the perspective of the financial asset management, the author establishes a new credit evaluation system based on the former studies and quo status of China.Finally,with the proposed method and related financial data of 23 listed and 9 non-listed companies in 2002,the paper analyses and verifies the system's maneuverability and rationality. |
| Keywords: | financial risk evaluation model credit evaluation system applications research |
| 本文献已被 CNKI 维普 万方数据 等数据库收录！ | |