信用分析是FRM二級考試中的內(nèi)容，是商業(yè)銀行對借款人的還款能力進(jìn)行的系統(tǒng)調(diào)查和研究。下文是對信用分析的例題解析，希望對備考的你有所幫助！

Golin and Delhaise divide credit analysis into four areas according to borrower type:

●Consumer credit analysis is the evaluation of the creditworthiness of individual consumers;

●Corporate credit analysis is the evaluation of nonfinancial companies such as manufacturers, and nonfinancial service providers;》》》點擊領(lǐng)取2021年FRM備考資料大禮包（戳我免·費領(lǐng)取）

●Financial institution credit analysis is the evaluation of financial companies including banks and nonbank financial institutions, such as insurance companies and investment funds;

●Sovereign/municipal credit analysis is the evaluation of the credit risk associated with the financial obligations of nations, subnational governments, and public authorities, as well as the impact of such risks on obligations of nonstate entities operating in specific jurisdictions.

●According to Golin and Delhaise, each of the following is true about key features of credit analysis with respect to borrower type, except which is not true?》》》點擊咨詢FRM特惠課程

A) Individuals (consumers): Credit analysis is amenable to automation and the use of scoring models and statistical tools to correlate risk to limited number of variables

B) Non-financial corporations: Compared to consumers, tends to be more detailed and "hands-on" (i.e. less automated); key variables are likely to include liquidity, cash flow, near-term earnings capacity and profitability, solvency or capital position

C) Financial Companies: In contrast to corporate (non-financial) credit analysis, qualitative analysis and asset quality are not important, but cash flow is a highly important (a "key indicator")

D) Sovereigns: Includes analysis of country risk, which is primarily political dynamics and state of the economy; and systematic risk, which includes the regulatory regime and the financial system

答案：C【資料下載】點擊下載融躍教育FRM考試公式表

解析：Credit analysis of financial companies has much in common with corporate credit analysis, but the authors cite two key differences: With respect to financial companies, " The differences are: The importance of asset quality; The omission of cash flow as a key indicator."

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