2022-11-22 15:23:41 +08:00
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{
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"得分级别标准": {
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"AAA": 90,
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"AA+": 86.67,
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"AA": 83.34,
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"AA-": 80,
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"A+": 76.68,
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"A": 73.35,
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"A-": 70,
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"BBB+": 66.67,
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"BBB": 63.34,
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"BBB-": 60,
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"BB+": 56.67,
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"BB": 53.34,
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"BB-": 50,
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"B": 40,
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"CCC": 30,
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"CC": 20,
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"C": 10
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},
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"档位得分标准": {
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"第一档": 1,
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"第二档": 5,
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"第三档": 11,
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"第四档": 17,
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"第五档": 23,
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"第六档": 29,
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"第七档": 33,
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"第八档": 37
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},
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"指标及权重": [
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{
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2022-12-30 13:41:51 +08:00
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"指标": "业务竞争力",
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2022-11-22 15:23:41 +08:00
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"指标类型": "定性指标",
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"一级指标": "业务状况",
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"二级指标": "业务竞争力",
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"档位": {
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"第一档": "业务竞争力非常强",
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"第二档": "业务竞争力很强",
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"第三档": "业务竞争力强",
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"第四档": "业务竞争力较强",
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"第五档": "业务竞争力一般",
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"第六档": "业务竞争力较弱",
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"第七档": "业务竞争力弱",
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"第八档": "业务竞争力很弱"
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},
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"权重": 20
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},
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{
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2022-12-30 13:41:51 +08:00
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"指标": "客户质量及融资租赁集中度",
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2022-11-22 15:23:41 +08:00
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"指标类型": "定性指标",
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"一级指标": "业务状况",
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"二级指标": "客户质量及融资租赁集中度",
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"档位": {
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"第一档": "表现非常好",
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"第二档": "表现很好",
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"第三档": "表现好",
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"第四档": "表现较好",
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"第五档": "表现一般",
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"第六档": "表现较差",
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"第七档": "表现差",
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"第八档": "表现很差"
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},
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"权重": 15
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},
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{
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2022-12-30 13:41:51 +08:00
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"指标": "实收资本（亿元）",
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2022-11-22 15:23:41 +08:00
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"指标类型": "定量指标",
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"一级指标": "资本与盈利性",
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"二级指标": "实收资本（亿元）",
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"档位": {
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"第一档": "[50,+inf)",
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"第二档": "[35,50)",
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"第三档": "[25,35)",
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"第四档": "[15,25)",
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"第五档": "[10,15)",
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"第六档": "[7,10)",
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"第七档": "[4,7)",
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"第八档": "[0,4)"
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},
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"权重": 10
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},
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{
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2022-12-30 13:41:51 +08:00
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"指标": "平均资本回报率（%）",
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2022-11-22 15:23:41 +08:00
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"指标类型": "定量指标",
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"一级指标": "资本与盈利性",
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"二级指标": "平均资本回报率（%）",
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"档位": {
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"第一档": "[15,+inf)",
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"第二档": "[10,15)",
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"第三档": "[8,10)",
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"第四档": "[6,8)",
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"第五档": "[4,6)",
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"第六档": "[3,4)",
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"第七档": "[2,3)",
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"第八档": "[0,2)"
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},
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"权重": 10
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},
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{
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2022-12-30 13:41:51 +08:00
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"指标": "租赁资产不良率（%）",
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2022-11-22 15:23:41 +08:00
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"指标类型": "定量指标",
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"一级指标": "资产质量",
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"二级指标": "租赁资产不良率（%）",
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"档位": {
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"第一档": "[0,1)",
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"第二档": "[1,1.5)",
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"第三档": "[1.5,2.5)",
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"第四档": "[2.5,3)",
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"第五档": "[3,3.5)",
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"第六档": "[3.5,4)",
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"第七档": "[4,4.5)",
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"第八档": "[4.5,100]"
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},
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"权重": 10
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},
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{
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2022-12-30 13:41:51 +08:00
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"指标": "拨备覆盖率（%）",
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2022-11-22 15:23:41 +08:00
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"指标类型": "定量指标",
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"一级指标": "资产质量",
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"二级指标": "拨备覆盖率（%）",
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"档位": {
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"第一档": "[400,+inf)",
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"第二档": "[300,400)",
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"第三档": "[200,300)",
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"第四档": "[120,200)",
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"第五档": "[100,120)",
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"第六档": "[80,100)",
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"第七档": "[60,80)",
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"第八档": "[0,60)"
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},
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"权重": 10
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},
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{
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2022-12-30 13:41:51 +08:00
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"指标": "流动性比率（%）",
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2022-11-22 15:23:41 +08:00
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"指标类型": "定量指标",
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"一级指标": "抗风险能力",
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"二级指标": "流动性比率（%）",
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"档位": {
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"第一档": "[7,100]",
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"第二档": "[5,7)",
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"第三档": "[3,5)",
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"第四档": "[2.5,3)",
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"第五档": "[2,2.5)",
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"第六档": "[1.5,2)",
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"第七档": "[1,1.5)",
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"第八档": "[0,1)"
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},
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"权重": 10
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},
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{
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2022-12-30 13:41:51 +08:00
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"指标": "资本充足率（%）",
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2022-11-22 15:23:41 +08:00
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"指标类型": "定量指标",
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"一级指标": "抗风险能力",
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2022-11-28 17:06:13 +08:00
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"二级指标": "资本充足率（%）",
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2022-11-22 15:23:41 +08:00
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"档位": {
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"第一档": "[15,+inf)",
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"第二档": "[13,15)",
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"第三档": "[12,13)",
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"第四档": "[11,12)",
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"第五档": "[10,11)",
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"第六档": "[9,10)",
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"第七档": "[8,9)",
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"第八档": "[0,8)"
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},
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"权重": 15
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}
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2022-11-28 17:06:13 +08:00
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],
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"评级调整": [
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{
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"调整因素": "风险管理水平",
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"简介": "租赁公司的风险管理水平对其业务发展和经营业绩起着决定性作用。风险管理架构是否合理决定了风险管理的独立性，风险管理体系的有效性需要技术做支撑进行定期评估，因此风险管理体系是由多方面因素构成并形成一个有机的整体。租赁公司管理层的风险管理意识、风险管理架构和体系、风险管理独立性和有效性等方面会影响受评租赁公司的信用状况。"
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},
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{
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"调整因素": "财务报告与信息披露质量",
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"简介": "信用评级依赖于经审计的财务报表的准确性，而财务报表的质量可能会受内部控制的影响。财务报告与信息披露质量较差也会影响受评租赁公司的信用状况。"
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},
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{
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"调整因素": "环境、社会与公司治理（ESG）",
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"简介": "环境、社会与公司治理（ESG）风险因素会对租赁公司的信用质量会产生实质性影响。若租赁公司在公司治理等方面存在明显缺陷将会影响受评租赁公司的信用状况。"
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},
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{
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"调整因素": "重大事件",
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"简介": "意外重大事件也可能造成企业基本面短期内急剧恶化，从而影响企业的信用状况。重大事件范围广泛，包括但不限于监管变化、资本重组、并购、资产出售、分拆、诉讼、地缘政治冲突、重大网络犯罪事件等。"
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},
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{
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"调整因素": "历史信用记录",
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"简介": "远东资信会关注企业的历史信用记录，并据此调整企业的信用级别。一般而言，历史信用记录较差的企业按时还本付息的意愿相对较弱，相应的违约风险较大。"
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},
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{
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"调整因素": "预期调整因素",
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"简介": "如果预计受评租赁公司未来会发生重大变化且这一变化是可持续的，可以考虑使用预测的业务和财务数据对企业进行评级打分，并对信用级别进行调整"
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},
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{
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"调整因素": "其他调整因素",
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"简介": "对于其他调整因素（包括但不限于：行业竞争格局的重大意外变化、监管处罚或其他不利因素等），远东资信将视具体情况予以评估"
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}
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],
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"外部支持": {
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"类型": "股东"
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}
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2022-11-22 15:23:41 +08:00
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}
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