【作者】 王磊；

【导师】 冯晓琦；

【作者基本信息】 对外经济贸易大学 ， 金融学， 2016， 硕士

【副题名】以北控财务公司为例

【摘要】 自从1987年国家批准成立了第一家企业集团财务公司以来,越来越多的财务公司相继涌现,服务行业范围广泛,成为我国金融市场的重要力量。对财务公司信用评级体系构建进行研究有利于财务公司形成科学的信用风险评价体系,实现合理的利差收益,促进财务公司管理水平的提高。目前大部分财务公司在做信用评级时,未引用成型的信用评级体系,评级参数过于简单,从而导致评级结果失真。因此,笔者想通过自身的行业经验,参考信用评级相关文献,构建适用于财务公司行业的信用评级体系。本文主要由6个章节组成:第一章阐述了本文选题背景及意义,介绍文献综述,对文章主要写作内容及方法、可能的创新点与局限性进行说明;第二章介绍了企业信用评级理论知识;第三章阐述了财务公司行业信用评级机制现状,并提出相应存在的问题;第四章通过对信用评级指标进行筛选,计算并设定各项指标权重,选择评级方法,构建了我国财务公司信用评级体系;第五章选取了北控财务公司作为实例进行分析和评级;第六章对本文构建的体系进行总结,为今后的发展方向提出建议。更多还原

【Abstract】 Since the first establishment of the finance companies was approved by the government on 1987,more and more finance companies have been built and also become an important force in China’s financial market with their wide range of service industries.The research on the credit rating system of finance companies in China is conducive to the formation of scientific credit risk evaluation system,thus to achieve a reasonable spread income and to promote the improvement of the management performance of the finance companies.Currently,most finance companies provide credit rating not only without molding credit rating system but also lack of enough rating parameter,which results in the distortion ratings.Therefore,I shall try to combine my long term experience with reference to the credit rating related literature to build a new business credit rating system which is applicable to finance companies.This paper consists of six chapters.The first chapter introduces the background and significance of the topic,together with the literature review,the research content and methods,the innovation point and limitation.The second chapter delivers the relevant theoretical knowledge of credit rating.The third chapter describes the current status of the industrial credit rating mechanism for finance companies,and discloses the existing problems.The fourth chapter,through the screening of the credit rating index,calculates and sets the index weight,selects rating methodology to construct our country’s finance company credit rating system.The fifth chapter selects Beijing Enterprises Group Finance Company Limited as an example for analysis and ratings.The sixth chapter makes a summary of the credit rating system of this thesis,and make recommendations for the future direction of development.更多还原