我国银行业对企业信用状况和信用等级实行较为严格和系统的监管,源于80年代末、90年代初各地以省级或地市级分行为单位建立的信用等级评定制度。但其后几年,因种种原因大多停办或不了了之。近两年来,各专业银行总行加强了对此项工作的领导,陆续出台了全行统一的信用等级评定办法。目前各行较为统一的做法是依据企业近年(一般为近三年)来的财务、效益情况和企业的发展趋势预测,通过一系列量化指 China’s banking sector to the credit rating and credit rating of enterprises to implement more stringent and systematic supervision, from the late 1980s, early 90s at the provincial or municipal level branches set up as a unit of credit rating system. However, in the following years, most of them stopped or failed because of various reasons. In the past two years, the head offices of specialized banks have stepped up their leadership over this work and successively issued unified credit ratings for the whole bank. The current line of more uniform approach is based on business in recent years (usually for nearly three years) to the financial, efficiency and business trends forecast, through a series of quantitative means