企业信用评级模摘要社会信用体系就是市场经济体制中得重要体系。当前,社会中商业欺诈,制假售假,非法集资等现象屡禁不止,这些社会信用问题归根到底都就是企业信用得问题,因此,科学、合理、公正、权威得企业信用评级技术就是当前紧要得任务。本文通过研究研究国内外企业信用评价方法,构建了一个企业信用评价平台。该平台提供了信用评价,信用等级,信用反馈等功能,就是一个功能非常完备得信用评价平台。企业信用评级模型就是评价企业信用等级得有效工具,随着全世界债券市场得迅猛发展、抵押品价值降低及其波动性增加,该模型将会得到更为广泛得关注,并将为我国各公司企业运用数学模型度量企业信用评级提供了重要参考意义。关键词:数学模型企业信用等级企业信用评级模型信用评价AbstractThesocialcreditsystemisanimportantsystemofmarketeconomysystem、Atpresent,mercialfraudinthesocietyofcounterfeitgoods,thephenomenonsuchasillegalfund-raising,thesocialcreditproblemsinthefinalanalysisareenterprisecreditproblems,therefore,scientific,reasonable,fairandauthorityofenterprisecreditratingtechnologyisthecurrenturgenttask、Throughresearchtheenterprisecreditevaluationmethodsbothathomeandabroad,thispaperbuildsaenterprisecreditevaluation,creditrating,creditfeedback,andotherfunction,isaverypletecreditevaluationplatform、Enterprisecreditratingmodelisaneffectivetoolforevaluationofenterprisecreditratingwiththerapiddevelopmentofbondmarketsaroundtheworldthevalueofcollateralreducesanditsvolatilityincreases,themodelwillbemorewidespreadattention,andthemathematicalmodelforthepaniesinourcountryenterpriseusemetricenterprisecreditratingprovidesanimportantreferencesignificance、Keywords:mathematicalmodelEnterprisecreditratingEnterprisecreditratingmodelCreditevaluation目录摘要·················……························Abstract··········································第一章绪论··········································11、1选题背景与意义·································11、2国内外文献综述·································21.2.1国外研究现状·······························21.2.2国内研究现状·······························51、3我国研究现状及存在得问题························9第二章信用评级主要方法与模型综述····················102、1专家评估法及其优缺点·····························102、2财务比率分析法及其优缺点·························122、3多元判别分析(MDA)及其优缺点····················142、4logistic分析及其优缺点··························152、5非参数方法········································172.5.1聚类分析及其优缺点····························172.5.2K近邻判别及其优缺点