1, AAA enterprise. The score is above 90 points (inclusive), the asset-liability ratio, interest repayment rate and repayment rate of due creditor's rights are full marks, and the cash flow index score shall not be less than 5 points. If one item does not meet the requirements, it can only be rated as AA.
2.AA-level enterprises. The score is 80 (inclusive) ~ 90 (exclusive), and the asset-liability ratio and interest repayment rate are full marks. The credit repayment rate maturity index score is not less than 10.8, and the cash flow index score is not less than 3. If one item does not meet the requirements, it can only be rated as Grade A at the highest.
3.a-level enterprises. The score is between 70 (inclusive) and 80 (exclusive), the asset-liability ratio index score is not less than 5, the interest repayment rate index score is not less than 8. 1, and the maturity credit repayment rate index score is not less than 9.6.
4. Class B enterprises. Score 60 (inclusive) ~ 70 (exclusive); Or the score is above 70 points, but in any of the following circumstances:
(1) is an industry restricted by the state;
(2) The asset-liability ratio score is below 5 points;
(3) The interest repayment rate score is below 8. 1;
(4) The due credit repayment rate score is below 9.6.
5.c-level enterprises. The score is below 60 (excluding); Or the score is above 60 points, but under any of the following circumstances:
(1) Production equipment, technology and products officially eliminated by the state;
(2) Insolvency;
(three) the enterprise has stopped production for more than half a year;
(4) evasion of bank creditor's rights;
(5) The interest repayment rate score is below 2.7;
(6) The due credit repayment rate score is below 3.6 points.
Extended data:
Characteristics of bank credit rating:
1, comprehensive:
The content of enterprise credit rating is relatively extensive, which is a comprehensive evaluation of enterprise credit status and has comprehensive characteristics. Generally speaking, an enterprise refers to an independent accounting economic organization established for profit and engaged in production and business activities according to law. Social and economic organizations that do not carry out independent accounting or are not recognized by national laws cannot be called enterprises.
Enterprise credit rating should judge the legitimacy, safety and profitability of the borrowing enterprise, and bear the responsibility of investigation errors and inaccurate evaluation. It must conduct a comprehensive investigation and comprehensive analysis of enterprises, including leadership quality, economic strength, capital structure, performance, operating efficiency and development prospects.
2. Timeliness:
Securities evaluation is usually conducted before issuance, which is called "one debt, one evaluation" or "one vote, one evaluation". The purpose is to provide information for investors or creditors according to the validity period of securities. The credit rating of enterprises is different. After the credit rating, it is generally valid for three years, and it needs to be re-evaluated after three years. It has certain timeliness.
3. Complexity:
Due to the different nature of enterprises, there are industrial enterprises, commercial enterprises, foreign trade enterprises, construction and installation enterprises and so on; Different enterprises have different industry characteristics and capital structure, and the emphasis and requirements of credit rating are also different, so the credit rating of enterprises is much more complicated than that of securities.
4. Rich in information:
Enterprise credit rating will provide relatively complete information on enterprise credit status for national macro-control. Because of its comprehensive content, scientific method and professional appraisers, the appraisal conclusion is quite authoritative, which can not only be used as the loan basis of loan banks, but also provide investors with credit information in all aspects, which is helpful to the macro-management of financial markets.
Baidu Encyclopedia-Enterprise Credit Rating
Baidu Encyclopedia-Enterprise Credit Rating