信用评级方法模型的选择策略研究

Selection Strategy of Credit-Rating Method Models

信用评级方法模型的选择和应用对经济主体的信用水平评估至关重要,通过对定性分析、统计分析、神经网络和支持向量机及其他信用评级方法模型的研究综述,同时,从定性和定量相结合、具体指标的选取、依据行业构建模型以及多种方法模型相结合方面对该领域未来的发展趋势进行展望,以期通过借鉴方法模型增强信用评级的可信度和价值,为投资者、筹资者和监管者提供有益的参考。

The selection and application of credit-rating method models is vital to the credit evaluation of an economic body. This article firstly makes a literature review of such method models as qualitative analysis, statistical analysis, neural networks ＆ support vector machine （SVM） and others. Then the author looks forward to the future trends of the industry from perspectives of qualitative ＆ quantitative combination, selection of a specific target, trade-oriented model construction and models combination. It is hoped that the recommended models mentioned in this article can be used for reference by investors, fund raisers and regulators to enhance the credibility and value of credit rating.