技术经济与管理研究
技術經濟與管理研究
기술경제여관리연구
TECHNOECONOMICS & MANAGEMENT RESEARCH
2015年
2期
92-96
,共5页
商业银行%银行信用%信用评级%评级机构
商業銀行%銀行信用%信用評級%評級機構
상업은행%은행신용%신용평급%평급궤구
Commercial bank%Bank credit%Credit rating%Rating agencies
文章从国际较为流行的话题：商业银行信用评级这个主题入手，特别是美国权威评级机构在经历次贷危机之后，这种一言堂的局面开始遭到质疑。我国随着国家实力增强，经济、金融环境越来越得到改善和认可，经济地位日益增强，我国应该研究适应我国具体国情的商业银行信用评级模型。文章首先对信用评级和商业银行信用评级的的定义以及特点进行了简单的介绍，在深入分析国内外商业银行的发展历程的基础上，依据骆驼评级模型（简称CAMEL模型）的研究模型为基础，尝试建立具有中国特色的5A商业银行评级理论，包括对资产的控制能力(Ability of Asset)、对风险的确保度(Assurance of risks)、全程陪同(Accompany)、 SWOT分析(Analysis of SWOT)以及附加项(Addition)。其研究目的在于抛砖引玉，使大家对于商业银行评级的意识、关注与探讨。
文章從國際較為流行的話題：商業銀行信用評級這箇主題入手，特彆是美國權威評級機構在經歷次貸危機之後，這種一言堂的跼麵開始遭到質疑。我國隨著國傢實力增彊，經濟、金融環境越來越得到改善和認可，經濟地位日益增彊，我國應該研究適應我國具體國情的商業銀行信用評級模型。文章首先對信用評級和商業銀行信用評級的的定義以及特點進行瞭簡單的介紹，在深入分析國內外商業銀行的髮展歷程的基礎上，依據駱駝評級模型（簡稱CAMEL模型）的研究模型為基礎，嘗試建立具有中國特色的5A商業銀行評級理論，包括對資產的控製能力(Ability of Asset)、對風險的確保度(Assurance of risks)、全程陪同(Accompany)、 SWOT分析(Analysis of SWOT)以及附加項(Addition)。其研究目的在于拋磚引玉，使大傢對于商業銀行評級的意識、關註與探討。
문장종국제교위류행적화제：상업은행신용평급저개주제입수，특별시미국권위평급궤구재경력차대위궤지후，저충일언당적국면개시조도질의。아국수착국가실력증강，경제、금융배경월래월득도개선화인가，경제지위일익증강，아국응해연구괄응아국구체국정적상업은행신용평급모형。문장수선대신용평급화상업은행신용평급적적정의이급특점진행료간단적개소，재심입분석국내외상업은행적발전역정적기출상，의거락타평급모형（간칭CAMEL모형）적연구모형위기출，상시건립구유중국특색적5A상업은행평급이론，포괄대자산적공제능력(Ability of Asset)、대풍험적학보도(Assurance of risks)、전정배동(Accompany)、 SWOT분석(Analysis of SWOT)이급부가항(Addition)。기연구목적재우포전인옥，사대가대우상업은행평급적의식、관주여탐토。
This article arises from one of the international popular issues:the credit rating of commercial bank. Especially after the subprime mortgage crisis, the mistake of American authoritative rating agencies made others began to question its rationality and authority. As the strength of our country grows bigger, economic and financial environment is gradually improved and recognized and economic status strengthens day by day. Our country should establish the model of credit rating of commercial banks in China to adapt to the specific conditions of our own country. This article presents the definition, characteristics and further meaning of the credit rating and commercial bank credit rating firstly. After the profound analysis of the development process of domestic and foreign commercial banks, the author tries to establish the 5A commercial bank rating theory with Chinese characteristics, including the ability of controlling assets, ensure the degree of risk, the accompany of the whole course, the analysis of SWOT strategy and the additive items on the basis of the model of CAMEL. The purpose of the paper is to initiate and cause the public to be acquainted with, focus on and probe into Chinese commercial bank rating.
