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一般说来,集团企业多数呈现跨行业多元化经营的特征,因此,分析和评估集团企业信用风险,对集团业务涉及的行业进行分析是重要环节,通过对行业的周期波动、竞争结构以及财务特性等因素的分析,了解行业风险对集团发展的影响。同时,结合集团行业板块经营的实际,进而对企业集团信用风险进行评估。从技术层面看,对集团企业进行信用风险分析和评估,应该重点从两个角度切入:一是对集团内核心板块涉及的主要行业进行分析,并通过单个行业的分析,判断其对集团发展以及风险的影响;二是考虑集团内多个行业组合效应,一般说来,集团进入多个行业必然与其发展战略和经营实际状况紧密相关,进行集团内多行业组合效应分析是集团企业信用风险评估的重点所在。
Generally speaking, most of the group companies are characterized by diversification across industries. Therefore, it is an important step to analyze and evaluate the credit risk of the group companies and analyze the industries involved in the group business. By analyzing the industry cyclical fluctuations, competitive structure and financial characteristics And other factors, understand the impact of industry risk on the development of the group. At the same time, combined with the actual operation of the group industry segment, and then assess the credit risk of enterprise groups. From a technical perspective, the credit risk analysis and assessment of the group enterprises should focus on two angles: First, the analysis of the major industries involved in the core segments of the Group, and the analysis of individual industries to determine their impact on the Group’s development and Risk; the second is to consider the portfolio effect of multiple industries in the group. In general, the group entering into multiple industries is bound to be closely related to its development strategy and actual operation status. The analysis of the portfolio effect of multiple industries in the group is the assessment of the credit risk of the group companies The point is.