财务信用

基于SVM的上市公司财务信用评价预测方法研究

SVM Prediction Method for Assessing the Financial Credit Rating of the Listed Companies in Stock Market

企业财务信用制度研究

The Financial Credit Institution Research of an Enterprise

商业银行非财务信用风险分析

Analysis of non-financial credit risk for commercial banks

企业财务信用缺失及其治理

On Financial Credit Defect and the Treatment

因此，研究财务信用并试图寻求解决的制度安排有着重要的理论意义和实践意义。

Therefore it is of great significance to study the financial credit and seek a solution .

论企业财务信用管理

Financial Credit Management of Enterprises

应用多元统计分析和模糊综合评判，给出企业财务信用的综合评价。

The methods of multivariate statistical analysis and fuzzy comprehensive evaluation are applied to appraise the enterprises ' financial credit .

因此，我们应强化企业财务信用管理，建立国家信用管理体系，建全企业信用管理部门和信用管理制度。

So we must strengthen financial credit management of enterprises , set up unified credit management system and credit management organizations .

企业财务信用主要是指资本信用、商业信用、管理信用等方面内容。

The financial credit of an enterprise mainly refers to the capital credit , the business credit , the management credit , etc.

一般来说职业对个人的职业信用影响最大，其次是个人公共信用，最后是个人财务信用。

Generally the impact on personal occupation is the biggest , followed by individual public credit , the last by personal financial credit .

进而通过财务信用的涵义及财务信用制度的构成进行表述，对财务信用及财务信用制度的概念进行合理的界定。

Then , define the financial credit and the finance credit institution by considering the meaning of financial credit and financial credit system for the composition of expression .

第三部分分析我国企业财务信用现状，对企业财务失信行为的原因进行分析；

The third part analyzes the present situation of the financial credit in our enterprises and points out the causes for some discreditable financial actions in some enterprises .

另外，上市公司不能忽略技术性防范措施，如适度负债、加强经营现金流量管理和财务信用管理等。

Besides , the listed companies should not neglect the technical measures , such as the optimal debt and strengthening the management of current flow and financial credit .

具体来说，本文从目前银行等借贷机构所最为关注的个人财务信用出发，拓展了个人信用的涵义，提出了个人社会信用的概念。

This paper start from the personal finance credit most concerned about by banks and other lending institutions , expanding connotation of personal credit , and put forward the concept of personal social credit .

本研究试图借鉴西方经济理论和实践中的合理因素，从信用的经济意义角度，对如何建设我国财务信用制度进行分析和探讨。

The study attempts to draw on Western economic theory and practice of reasonable factors , from the perspective of the economics of credit for how to build our financial credit system analysis and exploration .

第二部分，在总结传统的企业信用评价指标体系的基础上，根据供应链融资的特点，确定选取评估指标的原则，加强和完善非财务信用评价指标体系。

Part two , on the basic of summing-up traditional index system of credit evaluation , the principle of selecting index is pointed out . Then , non-financial index system of credit risk evaluation , which combines the characteristic of supply chain , is built based on the study above .

保险公司帮助监测买方的财务及信用状况。

Insurance company tracks buyer 's financial condition .

基于企业财务信息的信用风险度量方法述评

Reviews of Cedit Risk Measurement Method Based on Financial Information of Companies

保付代理简称保理，是一项集融资、结算、财务管理、信用担保为一体的综合性业务。

Factoring is a complete financial package that combines working capital financing , credit risk protection , accounts receivable bookkeeping and collection services .

该模型可直接应用于实际，是银行、投资者和基金经理们作财务危机、信用风险预警分析及企业综合业绩评价的有效工具。

The model can be applied directly to the practice and is a reliable tool for financial distress warning as well as credit risk analysis .

根据我国主要商业银行2007年的年度报表披露的财务信息及信用风险管理度量方法，分析了我国商业银行信用风险现状和信用风险管理中存在的问题。

According to the annual financial statements of Chinese major commercial banks in 2007 , which disclose information and credit risk management measurement methods , we analysis Chinese commercial banks credit risk status and problems that exist in credit risk measurement .

该公司表示，黑客得手的eBay数据库不包含客户任何财务信息&比如信用卡号码之类的信息。

The eBay database that hackers accessed contained no financial information on customers , such as credit card numbers , the company said .

上市公司财务困境预测的信用评分模型

Forecasting corporate financial distress : using credit scoring models

上市公司财务风险分析与信用评级

Financial Distress Analysis and Credit Rating of Listed Companies

他还提醒，只能从那些财务状况良好、信用评级可靠的公司购买年金。

He cautions that you should purchase annuities only from companies with a strong financial position and solid credit ratings .

银行通常结合担保情况和依据以财务指标为主的信用评价结果将渴求融资的中小企业拒之门外，这一情况在我国屡见不鲜。

Bank guarantees are usually combined with financial indicators and evidence-based credit evaluation results will be turned away hungry SME financing , a situation not uncommon in China .

银行通常依据以财务指标为主的信用评价体系将众多的中小企业拒之门外。

Banks often deny the eligibility of medium-sized and small enterprises for financial loans in the light of their credit assessment system which is mainly composed by financial indicators .

论文介绍了大量的最新技术：包括财务分析法、信用评分法、复杂金融工具的运用等。并运用财务分析法分析了云南省的中小企业信贷风险。

The chapter introduces several new tools in SME credit risk management : credit scoring , financial analysis , complicated financial tools etc. And the Chapter analyzes the credit risk in Yunnan commercial banks .

中小企业自身要提高管理水平，规范财务管理，加强信用评级制度，选择对自身合适有效的融资方式。

On the other hand , SMEs themselves should improve their qualities of management , standardize their financial management system , strengthen the credit rating system , and select financing methods that appropriate and effective for them .

实际上，健全的公司治理结构不但从制度上、组织上保证了信用风险管理机制的有效性，而且通过企业财务实力增强、信用意识强化，降低企业违约的概率。

In fact , sound corporate governance structure not only ensures the effectiveness of credit risk management in terms of system and organization , but also reduces the probability of default through the increase of financial strength and the enhancement of credit awareness .