集团评级是外部评级机构为银行提供信用管理服务的有效契合点

Group Rating is an Effective Interface for External Rating Agencies to Provide Credit Management Services for Banks

企业集团具有股权关系多层次、产业分布多元化、信息透明度不高的特点,使得商业银行等外部债权人控制风险敞口的难度较大。商业银行如何借助外部评级机构的集团评级服务,对集团客户信贷风险进行有效评价,以实施信用敞口的事前控制。集团评级的关键是,突出以现金流分析为主线的评级理念,研究风险在集团内部的传导机制,关注集团财务弹性分析。

Enterprise group is characterized by multi -level equity relationship, diversified industrial distribution, low information transparency, making the commercial banks and other external creditors difficult to control risk exposure. It＇ s essential for commercial banks how to take advantage of group rating services given by the external rating agencies, to make effective evaluation of group customer credit risk so as to implement credit exposure control in advance. The key to group rating is highlighting the cash flow analysis as the main line of the rating concept, studying risk transmission mechanism within the group, concerning about the group financial elasticity analysis.