摘要
建立基于企业价值的信用评级体系,是对企业未来的还款能力,即企业价值进行评估。企业价值的高低及变化趋势将揭示该企业是否值得给予信贷支持。银行可以运用基于企业价值的信用评级方法来确定信贷支持的客户群。
In order to reduce the credit risk and default risk,we should attach great importance to the borrower's capability of repayment when we make credit assessment.The establishment of en-terprise-value-based credit grading system means the evaluation on the enterprise's future repaying capability(the value of enterprise).The value of enterprise and the changing trend will tell us whether the enterprise is worth being supported with a loan.Therefore,a bank should employ the enterprise-value-based credit grading sytem to dtermine the credit worthiness of potential customers.
出处
《金融理论与实践》
北大核心
2002年第11期31-32,共2页
Financial Theory and Practice
