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摘要:本论文主要研究1988年《巴塞尔协议》和2006年的巴塞尔新资本协议(Basel II)对我国中小企业的影响。这是因为新协议......

银行信用风险评估论文,Abstract
In this paper the effects of Basel Ⅰ and Basel Ⅱ on small and medium-sized enterprises is examined. Since the introduction of Base I, banks need to cover credit risks with 8% equity. With the introduction of Base II, this has been diversified and the amount of equity to be held is determined by the rating of the company. The most important factor for the rating is the probability of default for the respective company.
With the help of a rating tool called Company-Check the financial statements for two years are rated for two different companies, which both are categorized as being an SME. Especially for small and medium-sized companies it is essential that they know what to do to upgrade their rating, as these companies have a relatively low equity ratio (indicating that they are dependent on external financing). The rating done by the tool show that even for medium-sized companies it makes sense to pay attention on the structure of their financial statements and the according ratios.
Key words: Basel Ⅰ, Basel Ⅱ, small and medium-sized enterprises, Rating, Company Check
摘要
本论文主要研究1988年《巴塞尔协议》和2006年的巴塞尔新资本协议(Basel II)对我国中小企业的影响。1988年的《巴塞尔协议》中规定商业银行必须达到最低资本充足率8%,使银行对风险更敏感,使其运作更有效。而巴塞尔新资本协议则在此基础上进行修改。新资本协议的内容更广、更复杂。这是因为新协议力求把资本充足率与银行面临的主要风险紧密地结合在一起使其更加多元化,即银行资本适足率取决于公司的信用风险评估,规定值的重要因素则是各个公司的违约概率。
,称财务报表两年分为两个不同的公司,均归为作为一个中小企业。

Table of Contents
Introduction
Current situation
Problem
Objective
Methodology and Structure of the Paper
Basic Overview
2.1 A Define Of Small and Medium-Sized Enterprises
2.2 Overview and Shortcoming of Basel Ⅰ
2.3 Overview of Basel Ⅱ
Rating
3.1 External Rating-The Standardized Approach (SA)
3.1.1 Advantages of the External Rating
3.1.2 Disadvantages of the External Rating
3.1.3 Cost of External Ratings
3.1.4 SME Rating Agencies
3.2 Internal Ratings
3.2.1 Internal Rating and SME
Change in Financial Ratios and Their Implication for Ratings
4.1 The simulation tool: Company Check
4.2 Summary and Findings
Conclusion
⒈Introduction
This paper examines the effects of Basel Ⅰ and Basel Ⅱ on small and medium-sized enterprises, with a special focus on the rating of financial statements. In the following chapters a basic overview is giving, which contains a definition of SMEs, an introduction to Basel Ⅰ and Basel Ⅱ and the explanation of the different rating modes in use. After that with the help of a rating simulation tool two balance sheets from different companies are rated. This rating will then be analyzed and discussed.  

本文标签: 《巴塞

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