ScoreCardConfigs/建筑企业/建筑企业信用评级模型结构配置表 .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": "market_position",
"指标类型": "定性指标",
"一级指标": "业务状况",
"二级指标": "市场地位",
"档位": {
"第一档": "在行业或细分领域的相对业务规模、业务资质、技术水平、项目储备等方面综合表现非常好",
"第二档": "在行业或细分领域的相对业务规模、业务资质、技术水平、项目储备等方面综合表现很好",
"第三档": "在行业或细分领域的相对业务规模、业务资质、技术水平、项目储备等方面综合表现好",
"第四档": "在行业或细分领域的相对业务规模、业务资质、技术水平、项目储备等方面综合表现较好",
"第五档": "在行业或细分领域的相对业务规模、业务资质、技术水平、项目储备等方面综合表现一般",
"第六档": "在行业或细分领域的相对业务规模、业务资质、技术水平、项目储备等方面综合表较差",
"第七档": "在行业或细分领域的相对业务规模、业务资质、技术水平、项目储备等方面综合表现差",
"第八档": "在行业或细分领域的相对业务规模、业务资质、技术水平、项目储备等方面综合表现很差"
},
"权重": 20
},
{
"指标": "diversity",
"指标类型": "定性指标",
"一级指标": "业务状况",
"二级指标": "多样性",
"档位": {
"第一档": "在工程施工地域和领域多样性方面综合表现非常好",
"第二档": "在工程施工地域和领域多样性方面综合表现很好",
"第三档": "在工程施工地域和领域多样性方面综合表现好",
"第四档": "在工程施工地域和领域多样性方面综合表现较好",
"第五档": "在工程施工地域和领域多样性方面综合表现一般",
"第六档": "在工程施工地域和领域多样性方面综合表现较差",
"第七档": "在工程施工地域和领域多样性方面综合表现差",
"第八档": "在工程施工地域和领域多样性方面综合表现很差"
},
"权重": 10
},
{
"指标": "operating_income",
"指标类型": "定性指标",
"一级指标": "规模",
"二级指标": "营业收入(亿元)",
"档位": {
"第一档": "[500, +inf)",
"第二档": "[100,500)",
"第三档": "[50,100)",
"第四档": "[10,50)",
"第五档": "[3,10)",
"第六档": "[2,3)",
"第七档": "[1,2)",
"第八档": "[0,5)"
},
"权重": 20
},
{
"指标": "accounts_receivable_turnover",
"指标类型": "定量指标",
"一级指标": "运营效率与盈利能力",
"二级指标": "应收账款周转率(次)",
"档位": {
"第一档": "[6, +inf)",
"第二档": "[4,6)",
"第三档": "[3,4)",
"第四档": "[2,3)",
"第五档": "[1,2)",
"第六档": "[0.5,1)",
"第七档": "[0.2,0.5)",
"第八档": "[0,0.2)"
},
"权重": 10
},
{
"指标": "bitda_profit_margin",
"指标类型": "定量指标",
"一级指标": "运营效率与盈利能力",
"二级指标": "BITDA利润率%",
"档位": {
"第一档": "[6, +inf)",
"第二档": "[5,6)",
"第三档": "[4,5)",
"第四档": "[3,4)",
"第五档": "[2,3)",
"第六档": "[1,2)",
"第七档": "[0.2,1)",
"第八档": "(-inf,0.2)"
},
"权重": 10
},
{
"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": "[0,50)",
"第二档": "[50,75)",
"第三档": "[75,80)",
"第四档": "[80,85)",
"第五档": "[85,90)",
"第六档": "[90,95)",
"第七档": "[95,100)",
"第八档": "[100,+inf)"
},
"权重": 10
},
{
"指标": "total_debt_divide_ebitda",
"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": "总债务/EBITDA",
"档位": {
"第一档": "[0,5)",
"第二档": "[5,10)",
"第三档": "[10,15)",
"第四档": "[15,20)",
"第五档": "[20,25)",
"第六档": "[25,30)",
"第七档": "[30,35)",
"第八档": "(-inf,01)[35,+inf)"
},
"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": "[2,4)",
"第五档": "[1,2)",
"第六档": "[0.5,1)",
"第七档": "[0.2,0.5)",
"第八档": "(-inf,0.2)"
},
"权重": 10
}
]
}