信用评级的方法

信用评级在我国金融市场上具有举足轻重的作用，其对企业发展的影响力不言自明．该文试图采用公司具代表性的五方面指标体系，构建性质优良的评级经验数据库．在现有的信用评价的基础上，找出了具有四种优良性质的经验数据库，实证检验表明了该数据库能够对公司做出相当好的预测评价．利用该数据库做出的评级，可有效避免以往根据经验评级带来的不确定性和主观性，更能真实地反映公司的实际信用状况。

Approach of credit grading

Credit grading plays a very important role in financial market, which has great influence on the companies clearly. However, experience of experts is too much relied on when credit grading. So the results have very much subjectivity. We attempt to design an experiential database having four good characters with an index system which has five aspects representative financial indexes. On the basis of existing credit grades, We established the experiential database which was proved that we could get perfect prediction of credit grade by applying this database through discriminant analysis method. It indicates that this method can decrease the uncertian factor, and reflect the true credit status of corporations.