ScoreCardConfigs/纺织服装企业/纺织服装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": "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": "[100, +inf)",
"第二档": "[40, 100)",
"第三档": "[20, 40)",
"第四档": "[10, 20)",
"第五档": "[3, 10)",
"第六档": "[1, 3)",
"第七档": "[0.5, 1)",
"第八档": "[0, 0.5)"
},
"权重": 20
},
{
"指标": "brand_status",
"指标类型": "定性指标",
"一级指标": "业务状况",
"二级指标": "品牌地位",
"档位": {
"第一档": "在如下方面的综合表现非常好1品牌数量2产品品牌在经营领域的知名度3客户忠诚度",
"第二档": "在如下方面的综合表现很好1品牌数量2产品品牌在经营领域的知名度3客户忠诚度",
"第三档": "在如下方面的综合表现好1品牌数量2产品品牌在经营领域的知名度3客户忠诚度",
"第四档": "在如下方面的综合表现较好1品牌数量2产品品牌在经营领域的知名度3客户忠诚度",
"第五档": "在如下方面的综合表现一般1品牌数量2产品品牌在经营领域的知名度3客户忠诚度",
"第六档": "在如下方面的综合表现较差1品牌数量2产品品牌在经营领域的知名度3客户忠诚度",
"第七档": "在如下方面的综合表现很差1品牌数量2产品品牌在经营领域的知名度3客户忠诚度",
"第八档": "在如下方面的综合表现非常差1品牌数量2产品品牌在经营领域的知名度3客户忠诚度"
},
"权重": 12
},
{
"指标": "product_diversity",
"指标类型": "定性指标",
"一级指标": "业务状况",
"二级指标": "产品多样性",
"档位": {
"第一档": "产品分散化程度非常高",
"第二档": "产品分散化程度很高",
"第三档": "产品分散化程度高",
"第四档": "产品分散化程度较高",
"第五档": "产品分散化程度一般",
"第六档": "产品分散化程度较低",
"第七档": "产品分散化程度很低",
"第八档": "产品分散化程度非常低"
},
"权重": 12
},
{
"指标": "sales_channels_diversification",
"指标类型": "定性指标",
"一级指标": "业务状况",
"二级指标": "销售渠道多元化",
"档位": {
"第一档": "在如下方面的综合表现非常好1销售区域覆盖范围;2销售终端数量及分散程度",
"第二档": "在如下方面的综合表现很好1销售区域覆盖范围;2销售终端数量及分散程度",
"第三档": "在如下方面的综合表现好1销售区域覆盖范围;2销售终端数量及分散程度",
"第四档": "在如下方面的综合表现较好1销售区域覆盖范围;2销售终端数量及分散程度",
"第五档": "在如下方面的综合表现一般1销售区域覆盖范围;2销售终端数量及分散程度",
"第六档": "在如下方面的综合表现较差1销售区域覆盖范围;2销售终端数量及分散程度",
"第七档": "在如下方面的综合表现很差1销售区域覆盖范围;2销售终端数量及分散程度",
"第八档": "在如下方面的综合表现非常差1销售区域覆盖范围;2销售终端数量及分散程度"
},
"权重": 11
},
{
"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": "BITDA利润率%",
"档位": {
"第一档": "[18, +inf)",
"第二档": "[10, 18)",
"第三档": "[5, 10)",
"第四档": "[4 ,5)",
"第五档": "[3, 4)",
"第六档": "[2, 3)",
"第七档": "[1, 2)",
"第八档": "(-inf, 1)"
},
"权重": 8
},
{
"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, 45)",
"第二档": "[45, 55)",
"第三档": "[55, 70)",
"第四档": "[70, 75)",
"第五档": "[75, 80)",
"第六档": "[80, 85)",
"第七档": "[85, 90)",
"第八档": "[90, +inf)"
},
"权重": 12
},
{
"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, 3)",
"第二档": "[3, 5)",
"第三档": "[5, 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, 0)[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": "[7, +inf)",
"第二档": "[3.5, 7)",
"第三档": "[2.5, 3.5)",
"第四档": "[1.5, 2.5)",
"第五档": "[1, 1.5)",
"第六档": "[0.5, 1)",
"第七档": "[0, 0.5)",
"第八档": "(-inf, 0)"
},
"权重": 15
}
]
}