سیستم رتبه ­بندی کمل

دوشنبه 7 دی 1394 10:36   نویسنده : محسن قره خانی      


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سیستم رتبه ­بندی کمل، یک سیستم رتبه­ بندی نظارتی است که در آمریکا برای طبقه ­بندی شرایط کلی بانک­ها بوجود آمده است. از این مدل برای همه بانک­ها و موسسات اعتباری آمریکا (قریب به 8000 موسسه) و نیز در بیرون آمریکا و برای نهادهای ناظر بر بانک­های متفاوت استفاده شده است.

این رتبه­ بندی بر مبنای تحلیل نسبت­های صورت­های مالی است.

اجزای مدل کمل به شرح زیر است:

  •     کفایت سرمایه
  •     دارایی­ها
  •     شایستگی مدیریت
  •    درآمد
  •     نقدینگی
  •     حساسیت

بر مبنای ارزیابی صورت گرفته در هر بخش، رتبه ­ای از 1 (بهترین) تا 5 (بدترین) به هر دسته تعلق می­ گیرد.

 


آخرین ویرایش: دوشنبه 7 دی 1394 10:38
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