CAJ | 학술논문

信用评级方法模型的选择和应用对经济主体的信用水平评估至关重要，通过对定性分析、统计分析、神经网络和支持向量机及其他信用评级方法模型的研究综述，同时，从定性和定量相结合、具体指标的选取、依据行业构建模型以及多种方法模型相结合方面对该领域未来的发展趋势进行展望，以期通过借鉴方法模型增强信用评级的可信度和价值，为投资者、筹资者和监管者提供有益的参考。
신용평급방법모형적선택화응용대경제주체적신용수평평고지관중요，통과대정성분석、통계분석、신경망락화지지향량궤급기타신용평급방법모형적연구종술，동시，종정성화정량상결합、구체지표적선취、의거행업구건모형이급다충방법모형상결합방면대해영역미래적발전추세진행전망，이기통과차감방법모형증강신용평급적가신도화개치，위투자자、주자자화감관자제공유익적삼고。
The selection and application of credit-rating method models is vital to the credit evaluation of an economic body. This article firstly makes a literature review of such method models as qualitative analysis, statistical analysis, neural networks & support vector machine (SVM) and others. Then the author looks forward to the future trends of the industry from perspectives of qualitative &quantitative combination, selection of a specific target, trade-oriented model construction and models combination. It is hoped that the recommended models mentioned in this article can be used for reference by investors, fund raisers and regulators to enhance the credibility and value of credit rating.