基于企业规模的信贷决策支持：运用外部信用评级的一个试验

中小企业作为一个整体,需要根据企业的风险度来确定对它的信贷规模,风险度以企业信用级别来表示,信用级别通过外部评级来确定。为此本文介绍了一个外部评级体系,利用一个地区的评级样本——59家中小企业,反映外部评级体系对中小企业风险度的独特揭示,在此基础上建立了一个对中小企业的、基于信用级别的最高授信额度测算模型。

The External Credit Rating System for Small and Medium-sized Enterprises

The credit scope for small and medium-sized enterprises should be determined in line with their cred- it risk evaluation that decided by external credit rating system.Therefore,the paper introduces an external rat- ing system and then studies the credit risk evaluation made by the system based on rating sample including 59 small and medium-sized enterprises.Finally,the authors build up a model to calculate the credit line for those small and medium-sized enterprises according to their credit rating.