企业信用风险分类标准研究

Research on the Standards for Enterprise Credit Risk Classification

本文从企业信用风险分类标准现状及目的出发,分析企业信用风险分类实践的六大步,由此提出指标体系、分类管理平台建设规范、数据采集规范、分类分级、分类应用规范和监测预警指南六个标准。希望通过标准化助力推行企业信用风险分类管理,有效破解监管任务重与监管力量不足的矛盾,更好推动合理配置监管资源、统筹实施差别化监管、优化信用导向的营商环境。

This paper starts from the status quo and purpose of standards for enterprise credit risk classification,analyzes the six steps of the practice of enterprise credit risk classification.Therefore,six standards are proposed,covering indicator system,classification management platform construction,data collection,classification,classification application,and monitoring and early warning.It is expected that standardization can help promote the classification management of enterprise credit risk,effectively solve the contradiction between heavy regulatory tasks and insufficient regulatory power,better promote the rational allocation of regulatory resources,coordinate the implementation of differentiated regulation,and improve the credit-oriented business environment.