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企业信用等级评估是指银行经济信息机构在调查研究的基础上,运用科学的方法和真实可靠的资料对企业的资金信用,管理水平,经济效益和发展前景等,进行客观公正地考核,综合分析和认真评估,从而确定信用等级的一种咨询业务。企业信用评估是现代银行贷款业务活动的核心内容之一,信贷机构据此进行贷款决策.因此,贷款业务的成败在很大程度上也取决于企业信用评估是否科学可靠。银行对企业信用评估工作是否健全,是银行经营是否成熟,完备的重要标志。正因为如此,西方银行家都普遍重视这一工作,我国金融机构对这一工作也越来越重视。企业参加信用等级评估,银行评估人员将根据评估的各种材料及评审表等,撰写等级评估报告.评估报告的真实准确和质量好坏,直接关系到企业能否取得
Corporate credit rating assessment refers to the bank’s economic information agency, based on investigation and research, using scientific methods and real and reliable data to conduct an objective and fair assessment of the company’s capital credit, management level, economic benefits and development prospects. And a serious assessment to determine the credit rating of a consulting business. Corporate credit assessment is one of the core contents of modern bank loan business activities, and credit institutions make loan decisions accordingly. Therefore, the success or failure of loan business depends to a large extent on whether the corporate credit assessment is scientific and reliable. The soundness of the bank’s assessment of corporate credit is an important indicator of whether the banking business is mature or complete. Because of this, Western bankers generally attach importance to this work, and our financial institutions are paying more and more attention to this work. The company participates in the credit rating assessment. The bank appraisers will write a rating evaluation report based on various assessment materials and evaluation forms. The assessment report’s true accuracy and quality are directly related to whether the company can obtain it.