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1.
从1988年开始,各地、各级评估机构就一直在利用各自所有的评级信息开展对企业的资信评级业务,而且企业资信评级在北京、上海、浙江等地的发展还是比较好的.从杭州资 信评估情况而言,从1992年12成立至今,公司紧紧依靠人民银行和各金融机构的大力支持,积极实践,努力创新,探索出了一套供需市场联合的评估模式,顺应杭州市和浙江省市场经济发展的要求,评级业务得到了长足的发展,取得了良好的经济效益和社会效益.但是,从全国范围来讲,企业资信评级业务的发展还是较为缓慢,信用信息服务业务的开展还面临着诸多问题:  相似文献   

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《浙江金融》2007,(11):F0004-F0004
杭州资信评估公司成立于1992年12月,从1996年起,专业从事企业信用等级评估,目前的业务范闻已逐步延伸至杭州、湖州、嘉兴、金华、衢州、丽水、温州、台州、诸暨、舟山等地,是日前浙江省产品使用范围最广的资信评估中介机构之一。  相似文献   

4.
我国经济在过去较长时期属于传统的计划经济体制,市场主体绝大多数系国有企业,受姓“公”因素影响,商品购销活动中企业对购货方(客户)的资信状况并未引起足够重视。随着市场经济的建立,商品交易已由初期卖方市场转移到当前买方市场,市场主体成分也趋向多元化,公有制、股份制、合资(营)、民营及个体经济等纷纷成为经济舞台上的重要角色。  相似文献   

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《浙江金融》2006,(11):59-59
2006年10月26日上午.浙江众诚资信评估有限公司金华分公司开业庆典暨座谈会在义乌市宾王路68号分公司10楼会议室举行.这标志着公司正式落户金华地区.也标志着金华市正式启动借款企业资信评级市场。  相似文献   

6.
据报载,美国人原先没有吃酱油的习惯,这使众多酱油生产企业放弃了美国市场。但日本一家企业却认为消费习惯可以引导和培养,于是他们选择了一批易于接受新事物的美国知名家庭,定期免费赠送酱油,以此培养美国人新的消费习惯,又以这些家庭为典型,广为扩散信息,结果美国酱油市场被逐步打开,并为日本企业所垄断。从这则事例中不难看出,根本不存在不能进入的所谓“饱和”市场。应该说,市场中的潜在客户很多,客户的潜在需求也很多,创造客户关键就是要引导和培养客户的消费习惯,在挖掘和满足客户潜在需求上作文章。这个道理对银行也是一样。在新的竞…  相似文献   

7.
一、目标客户与一般客户的关系 市场营销中,根据企业的性质或规模"以貌取人",为目标客户"锦上添花"有余,给一般客户"雪中送炭"不足的现象比较普遍,还存在着"抓大放小"的倾向.毫无疑问,对客户采取差别化服务和分层次营销是十分必要的.但是我们对目标客户与一般客户应有正确的认识.首先,要辩证地看.目标客户与一般客户是相对的,两者会随着国家的宏观经济和产业政策以及企业自身的内部管理与运作发生转变.  相似文献   

8.
建立健全社会信用体系,形成以道德为支撑、产权为基础、法律为保障的社会信用制度,既是建设现代市场体系的必要条件,也是规范市场经济秩序的治本之策。借款企业资信评级是征信服务的重要组成部分,也是推动社会信用体系建设的有效途径。而有效的监督管理又是资信评级市场和谐、有序发展的重要保障。  相似文献   

9.
上个世纪20年代,面对消费者日益强烈的多样化需求,亨利·福特依然固守着曾给他带来辉煌的黑色T型车。通用汽车公司则对市场悄然的变化作出了积极的反应,顺应个性化的需求。最后,通用行驶在了福特的前面。50年代,当顾客要求小型轿车的呼声越来越强烈时,通用汽车公司却继续生产大型轿车——而德国的大众公司和日本人开始注意到这种呼声。此后的80年代,客户提出更高的品质要求,日本人对此作出迅速反应并提供更好的汽车。直到90年代,许多公司才终于认识到,在所有的活动中,只有产品导向或技术导向是不够的,客户导向才是最重要的;众多…  相似文献   

10.
资料显示:截至2003年6月末,国内银行卡发卡总量已达5.69亿张,比10年前增长了141倍,持卡群体迅速壮大。持卡人既是银行卡产品的直接受众和消费者,也是发卡行效益的最终创造者,庞大的持卡群体无疑是银行卡业界的一笔巨大财富。但长期以来,国内银行卡客户管理体系建设严重滞后于业务  相似文献   

11.
王勇 《国际融资》2007,(12):49-52
旧式融资规则,适合于二八法则,即80%的融资,给了20%的企业.这种融资方式,具有"龙头"的特征:被融资的企业规模很大,但这样的企业的数量很少,形成了长尾曲线中的"龙头".而"长尾"模式是对"二八"法则的颠覆.也就是长尾中"尾巴"的作用是不能忽视的  相似文献   

12.
Pricing and hedging structured credit products poses major challenges to financial institutions. This paper puts several valuation approaches through a crucial test: How did these models perform in one of the worst periods of economic history, September 2008, when Lehman Brothers went under? Did they produce reasonable hedging strategies? We study several bottom-up and top-down credit portfolio models and compute the resulting delta hedging strategies using either index contracts or a portfolio of single-name CDS contracts as hedging instruments. We compute the profit-and-loss profiles and assess the performances of these hedging strategies. Among all 10 pricing models that we consider the Student-t copula model performs best. The dynamical generalized-Poisson loss model is the best top-down model, but this model class has in general problems to hedge equity tranches. Our major finding is however that single-name and index CDS contracts are not appropriate instruments to hedge CDO tranches.  相似文献   

13.
Firms placed on negative credit watch face the threat of a credit rating downgrade. At the same time, they are given the opportunity to put recovery efforts in place to retain their current credit rating. In this paper, we test to what extent firms use earnings management as a short-term recovery strategy. We find that both accruals-based and real earnings management are associated with firms avoiding credit rating downgrades, and that these alternative earnings management strategies tend to be complements rather than substitutes. However, following the passage of the Sarbanes–Oxley Act, only real earnings management is significantly associated with the credit watch outcome. We find evidence that firms which maintain their rating via earnings management are better able to afford the inevitable earnings reversals, and that in the year following the credit watch period, the credit rating performance of these firms is significantly better than firms which undergo a downgrade, with fewer downgrades and more upgrades in this period. Our results also imply that credit rating agencies are not misled by earnings management but rather allow for some discretion in reporting earnings that facilitates the dissemination of private information about future firm performance.  相似文献   

14.
This paper reviews empirical evidence on the use of bank lines of credit as a source of corporate liquidity. Traditional explanation for lines of credit is that they provide insurance against liquidity shocks, in much the same as way hoarding cash does. However, recent empirical research suggests that access to lines of credit is contingent on the credit quality of the borrower as well as the financial condition of the lender. These findings suggest that lines of credit are an imperfect substitute for cash as a source of corporate liquidity.  相似文献   

15.
Many authors emphasize the implications of restricted access to financial markets for both small and new firms. The paper reports investigations into the use of alternative means of financing. More specifically, the use of trade credit and factoring are examined. Indeed, following the trade credit management literature both institutional and macro economic restrictions on small business finance can be overcome by ‘larger suppliers’ extending trade credit to their smaller customers. However, the DSO-rate cannot be used to measure the supplier's willingness to invest in trade credit as it depends on both suppliers' and customers' characteristics. The decision to extend trade credit is therefore approximated by the will to control its management and operationalized by the decision to factor or not to factor. The results of our study are twofold. First, factoring is mainly used by small and medium-sized companies. Moreover, when looking at the characteristics of the factor's customers, new companies facing huge capital expenditure programmes and seasonal sales decide to factor. The prejudice about factoring being a last resort means of finance is, however, not supported: companies that decide to use factoring are indeed less profitable, but this is simply due to their high growth and/or capital intensive investment programmes.  相似文献   

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