中小企业信用评级模型研究——基于CAMEL框架  

Small and Medium-sized Enterprise Credit Rating Model Study——Based on the Framework of CAMEL

作　　者：龙贞杰[1] 王善康 孙浩[1] 

机构地区：[1]桂林电子科技大学商学院,广西桂林541004

出　　处：《系统科学学报》2017年第3期102-106,共5页Chinese Journal of Systems Science

摘　　要：随着市场经济发展的不断深入,企业信用问题已成为影响和制约我国经济发展的关键因素,如何对企业的信用进行有效的评估是当前迫切需要解决的难题。首先,在CAMEL评级体系基础上构建信用评价指标体系;第二,通过DEMATEL与ANP相结合的方法求出指标的混合权重;最后,利用模糊综合评价公式计算出总得分。研究结果表明:该模型评价结果切实可靠,可为今后的中小企业信用评级提供一定指导和借鉴。With the deepening development of market economy,the enterprise credit problem has become the key to influence and restrict of economic development,how to evaluate the enterprise crediteffectively is the urgent problem need to solve.First,basis on the CAMEL rating system building a comprehensive evaluation index system.;second,use the method of the DEMATEL combining with ANP calculated the mixed weight of indicators;finally,Finally,using the fuzzy comprehensive evaluation formula to calculate the total score.Research results show that the model is practical and reliable,it can provide guidance and reference for small and mediumsized enterprise credit rating in the future.

关 键 词：CAMEL评级体系 信用评级 混合权重 模糊综合评价 

分 类 号：N949[自然科学总论—系统科学]