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首页> 外文期刊>International journal of production economics >Corporate credit-risk evaluation system: Integrating explicit and implicit financial performances
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Corporate credit-risk evaluation system: Integrating explicit and implicit financial performances

机译：企业信用风险评估系统：整合显性和隐性财务绩效

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摘要

Traditional credit-risk evaluation methods focus mainly on static credit evaluation and rarely consider incentive factors. This paper proposes a comprehensive method of credit-risk evaluation based on dynamic incentives. First, an "explicit incentive" model is constructed based on the firm's current financial standing, and an "implicit incentive" model is subsequently developed focusing on the trend of the firm's past performance. Geometric (or arithmetic) procedures are applied to integrate the two models. To validate the proposed approach, we apply it to 12 publicly traded companies, each with 24 quarters and 20 indicators. We find the proposed integrated evaluation model outperforms the conventional models by better reflecting the key credit-risk management concept of "motivation and guidance". (C) 2016 Elsevier B.V. All rights reserved.
机译：传统的信用风险评估方法主要侧重于静态信用评估，很少考虑激励因素。提出了一种基于动态激励的信用风险综合评价方法。首先，根据公司当前的财务状况构建“显式激励”模型，然后针对公司过去业绩的趋势开发“隐式激励”模型。应用几何（或算术）过程来集成两个模型。为了验证所建​​议的方法，我们将其应用于12家上市公司，每个公司有24个季度和20个指标。通过更好地反映“激励与引导”的关键信用风险管理概念，我们发现所提出的综合评估模型优于传统模型。 （C）2016 Elsevier B.V.保留所有权利。

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