ScoreCardConfigs/汽车整车制造企业信用评级方法与模型/汽车整车制造ScoreCard .json

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{
"得分级别标准": {
"AAA": 90,
"AA+": 86.67,
"AA": 83.34,
"AA-": 80,
"A+": 76.68,
"A": 73.35,
"A-": 70,
"BBB+": 66.67,
"BBB": 63.34,
"BBB-": 60,
"BB+": 56.67,
"BB": 53.34,
"BB-": 50,
"B": 40,
"CCC": 30,
"CC": 20,
"C": 10
},
"档位得分标准": {
"第一档": 1,
"第二档": 5,
"第三档": 11,
"第四档": 17,
"第五档": 23,
"第六档": 29,
"第七档": 33,
"第八档": 37
},
"指标及权重": [
{
"指标": "total_assets",
"指标类型": "定量指标",
"一级指标": "规模",
"二级指标": "总资产(亿元)",
"档位": {
"第一档": "[1500,+inf)",
"第二档": "[1000,1500)",
"第三档": "[600,1000)",
"第四档": "[500,600)",
"第五档": "[400,500)",
"第六档": "[300,400)",
"第七档": "[200,300)",
"第八档": "(-inf,200)"
},
"权重": 20
},
{
"指标": "operating_income",
"指标类型": "定量指标",
"一级指标": "规模",
"二级指标": "营业收入(亿元)",
"档位": {
"第一档": "[900,+inf)",
"第二档": "[600,900) ",
"第三档": "[400,600)",
"第四档": "[200,400)",
"第五档": "[100,200)",
"第六档": "[50,100)",
"第七档": "[40,50)",
"第八档": "[0,40"
},
"权重": 15
},
{
"指标": "brand_recognition_and_market_position",
"指标类型": "定性指标",
"一级指标": "业务状况",
"二级指标": "品牌认可度及市场地位",
"档位": {
"第一档": "在如下方面的综合表现非常好1品牌认可度2细分市场乘用车/商用车中的市场地位3畅销车型拥有情况及畅销车型在市场的竞争力",
"第二档": "在如下方面的综合表现很好1品牌认可度2细分市场乘用车/商用车中的市场地位3畅销车型拥有情况及畅销车型在市场的竞争力",
"第三档": "在如下方面的综合表现好1品牌认可度2细分市场乘用车/商用车中的市场地位3畅销车型拥有情况及畅销车型在市场的竞争力",
"第四档": "在如下方面的综合表现较好1品牌认可度2细分市场乘用车/商用车中的市场地位3畅销车型拥有情况及畅销车型在市场的竞争力",
"第五档": "在如下方面的综合表现一般1品牌认可度2细分市场乘用车/商用车中的市场地位3畅销车型拥有情况及畅销车型在市场的竞争力",
"第六档": "在如下方面的综合表现较差1品牌认可度2细分市场乘用车/商用车中的市场地位3畅销车型拥有情况及畅销车型在市场的竞争力",
"第七档": "在如下方面的综合表现差1品牌认可度2细分市场乘用车/商用车中的市场地位3畅销车型拥有情况及畅销车型在市场的竞争力 ",
"第八档": "在如下方面的综合表现很差1品牌认可度2细分市场乘用车/商用车中的市场地位3畅销车型拥有情况及畅销车型在市场的竞争力"
},
"权重": 10
},
{
"指标": "research_and_development_capability",
"指标类型": "定性指标",
"一级指标": "业务状况",
"二级指标": "研发能力",
"档位": {
"第一档": "在如下方面的综合表现非常好1技术优势包括新能源产品领域的技术优势2产品研发体系及研发投入",
"第二档": "在如下方面的综合表现很好1技术优势包括新能源产品领域的技术优势2产品研发体系及研发投入",
"第三档": "在如下方面的综合表现好1技术优势包括新能源产品领域的技术优势2产品研发体系及研发投入",
"第四档": "在如下方面的综合表现较好1技术优势包括新能源产品领域的技术优势2产品研发体系及研发投入",
"第五档": "在如下方面的综合表现一般1技术优势包括新能源产品领域的技术优势2产品研发体系及研发投入",
"第六档": "在如下方面的综合表现较差1技术优势包括新能源产品领域的技术优势2产品研发体系及研发投入",
"第七档": "在如下方面的综合表现差1技术优势包括新能源产品领域的技术优势2产品研发体系及研发投入",
"第八档": "在如下方面的综合表现很差1技术优势包括新能源产品领域的技术优势2产品研发体系及研发投入"
},
"权重": 10
},
{
"指标": "bitda_profit_margin",
"指标类型": "定量指标",
"一级指标": "盈利能力",
"二级指标": "EBITDA利润率%",
"档位": {
"第一档": "[15,+inf)",
"第二档": "[10,15)",
"第三档": "[6,10)",
"第四档": "[5,6)",
"第五档": "[4,5)",
"第六档": "[3,4)",
"第七档": "[2,3)",
"第八档": "(-inf2)"
},
"权重": 15
},
{
"指标": "gearing_ratio",
"指标类型": "定量指标",
"一级指标": "财务杠杆与偿债能力",
"二级指标": "资产负债率(%",
"档位": {
"第一档": "[0,60]",
"第二档": "[65,60)",
"第三档": "[70,65)",
"第四档": "[75,70)",
"第五档": "[80,75)",
"第六档": "[85,80)",
"第七档": "[90,85)",
"第八档": "(90,+inf)"
},
"权重": 10
},
{
"指标": "net_operating_cash_flow_devide_total_debt",
"指标类型": "定量指标",
"一级指标": "财务杠杆与偿债能力",
"二级指标": "经营性现金流净额/总债务(倍)",
"档位": {
"第一档": "[0.3,+inf)",
"第二档": "[0.15,0.3)",
"第三档": "[0.1,0.15)",
"第四档": "[0.08,0.1)",
"第五档": "[0.05,0.08)",
"第六档": "[0.02,0.05)",
"第七档": "[0.01,0.02)",
"第八档": "(-inf,0.01)"
},
"权重": 10
},
{
"指标": "interest_protection_multiples",
"指标类型": "定量指标",
"一级指标": "财务杠杆与偿债能力",
"二级指标": "EBITDA利息保障倍数",
"档位": {
"第一档": "[10,+inf)",
"第二档": "[6,10)",
"第三档": "[4,6)",
"第四档": "[3,4)",
"第五档": "[2,3)",
"第六档": "[1,2)",
"第七档": "[0.5,1)",
"第八档": "(-inf,0.5)"
},
"权重": 10
}
]
}