企业集团内部信用评级体系研究

A Study in Credit Evaluating System of Enterprise Groups

集团内部信用评价应从符合集团战略和子企业信用本身两个维度出发来评价子企业在内部融资方面的竞争力．通过行业和实地调研，可确定8个具体的信用评价子体系，形成了一个比较完整的集团内部信用评价模型．

The inner loans by a group to its subsidiaries should be based on the inner credit evaluation. Unlike the evaluation of the commercial bank to the enterprise, the inner credit evaluation should combine both the contribution of the subsidiary to the group and the credit level of the subsidiary itself so as to determine the competitivity of the subsidiary. Based on the analysis and spot survey, the author builds an integrated model of inner credit evaluation, which consists of eight subsystems.