上市公司信用風險評估模型的構(gòu)建及其實證研究.pdf

1、浙江大學碩士學位論文上市公司信用風險評估模型的構(gòu)建及其實證研究姓名：楊華申請學位級別：碩士專業(yè)：企業(yè)管理指導教師：卓駿20041201AbstractItisaverycomplicatedsystemengineeringtoassessthecreditrisksoflistedcompanyorenterprisesKanyspecialcreditri≤ksappraisalagenciescattyonoverallcredi

2、trisksgradingofthecompanyorenterprisesinabroad，forinstance，famousMoodycreditratingCompany，StandardandPoorcompanyTheseappraisalagenciesmainlyconsidercommercialcompetitionsituationandfinancialsituationofthecompanyorenterpr

3、isewhentheyevaluatethecreditriskassessmentForexample，StandardandPoorCompanythinkthattheycouldprovidethecreditgradesofenterprisesaccuratelyonlyiftheyconsiderthetworespectsofenterprise’sbusinessriskandthesituationsoffinanc

4、ialrisksyntheticallyToanalyzetheindustryandmanagementrisk，、StandardandPoorcompanythinkthatthefocalpointsassessedareinindustryrisk，diversificationandscale，andmanagementperformanceAboutevaluatingenterprise’sfinancialrisk，S

5、tandardandPoorCompanyespeciallyassesstheearningcapacityoftheenterprise，thefinancialleverandcashflowSomecreditrisksappraisalagenciesofourcountryputforwardthecreditriskevaluationsystemsthatsuitstheenterprisesofourcountryin

6、referencetotheexperienceoftheforeigncreditrisksappraisalagenciesThesystemsevaluatethecreditriskofonecompanyfromthreeaspects，theassessmentofthequalityofenterprise，thefinancialassessmentofenterprises，andtheassessmentofthen

7、ewly一一builtprojectThepaperhasintroducedthedefinitionandclassificationofthecreditrisksatfirstThen，thepaperhasreviewedthedevelopinghistoryofdomesticandinternationalcreditrisksassessingandmanagementItintroducedthecreditrisk