信贷风险指数及预警应用研究  

Research on Credit Risk Index and Early Warning Applications

作　　者：肖条根[1] 

机构地区：[1]中国人民银行绍兴市中心支行,浙江绍兴312000

出　　处：《征信》2012年第2期86-89,共4页Credit Reference

摘　　要：能否迅速、有效地判定区域信贷风险水平并进行预警,关系到能否主动防范和最大限度地控制信贷风险。在构建信贷风险指数体系的基础上,具体编制企业信贷风险指数,并结合浙江绍兴实例,对指数进行解读。解读表明,风险指数能灵敏地反映信贷不良率的变化水平。最后,探索研究了风险指数在信贷风险预警上的应用,并对当前绍兴市企业信贷风险进行分析,提出预警建议。The ability to rapidly and effectively determine the regional credit risk level and early warning relates to the ability to effect active and efficient credit risk prevention and control. On the basis of establishing credit risk index system, this paper presents a specific preparation of corporate credit risk index, and interprets the index with reference to the examples in Shaoxing. The analysis shows that the risk index can sensitively reflect the level of bad credit rate changes. Finally, this paper discusses the appieation of risk index in credit risk early warning, analysizes the enterprises＇ credit risk in Shaoxing, and proposes some suggestions.

关 键 词：信贷 风险指数 指数编制 指数解读 预警应用 

分 类 号：F831.6[经济管理—金融学]