Credit Risk Management in Corporate E （信贷风险管理在企业E）.pdfVIP

下载本文档

4
0
约4.76万字
约 9页
2017-09-02 发布于浙江
举报
版权申诉

Credit Risk Management in Corporate E （信贷风险管理在企业E）.pdf

1、有哪些信誉好的足球投注网站（book118）网站文档一经付费（服务费），不意味着购买了该文档的版权，仅供个人/单位学习、研究之用，不得用于商业用途，未经授权，严禁复制、发行、汇编、翻译或者网络传播等，侵权必究。。
2、本站所有内容均由合作方或网友上传，本站不对文档的完整性、权威性及其观点立场正确性做任何保证或承诺！文档内容仅供研究参考，付费前请自行鉴别。如您付费，意味着您自己接受本站规则且自行承担风险，本站不退款、不进行额外附加服务；查看《如何避免下载的几个坑》。如果您已付费下载过本站文档，您可以点击这里二次下载。
3、如文档侵犯商业秘密、侵犯著作权、侵犯人身权等，请点击“版权申诉”（推荐），也可以打举报电话：400-050-0827(电话支持时间：9:00-18:30)。
4、该文档为VIP文档，如果想要下载，成为VIP会员后，下载免费。
5、成为VIP后，下载本文档将扣除1次下载权益。下载后，不支持退款、换文档。如有疑问请联系我们。
6、成为VIP后，您将拥有八大权益，权益包括：VIP文档下载权益、阅读免打扰、文档格式转换、高级专利检索、专属身份标志、高级客服、多端互通、版权登记。
7、VIP文档为合作方或网友上传，每下载1次，网站将根据用户上传文档的质量评分、类型等，对文档贡献者给予高额补贴、流量扶持。如果你也想贡献VIP文档。上传文档

Credit Risk Management in Corporate E （信贷风险管理在企业E）

World Applied Sciences Journal 24 (7): 928-936, 2013 ISSN 1818-4952 © IDOSI Publications, 2013 DOI: 10.5829/idosi.wasj.2013.24.07.13239 Credit Risk Management in Corporate E-Commerce Irina Anatolievna Lisovskaya and Mariya Valentinovna Marchenko The Russian Presidential Academy of National Economy and Public Administration, Moscow, Russia Submitted: Aug 3, 2013; Accepted: Aug 29, 2013; Published: Aug 29, 2013 Abstract: This article addresses the issues of the formation of bad debts on commercial credits in the corporate e-commerce segment. An analysis of factual data has shown the probability frequency of default on commercial credits in this B2B segment of e-commerce to be in line with the normal distribution. This leads to a hypothesis whereby the probability of default on a commercial credit has nothing to do with the size of the credit; therefore, when it comes to credit risk management in the wholesale e-commerce sector, it’s the rating of the client that comes to be of primary importance, not the size of the credit issued to the client. This article introduces a method for rating the client using the significance index, which is formed based on analysis of data obtained from buyer questionnaires. The article presents a formula for calculating the significance index based on weighted ratings of the client’s questionnaire data, as well as a flow-chart for calculating this indicator. Key words: Corporate e-commerce Credit risk Normal distribution Probability of default on a commercial credit Significance index Client rating INTRODUCTION When it comes to the se