工程擔保授信評判及授信額度模型研究.pdf

1、東南大學博士學位論文工程擔保授信評判及授信額度模型研究姓名：楊松申請學位級別：博士專業(yè)：土木工程建造與管理指導教師：李啟明黃志寧20090301ABSTRACTSuretybondshadbeenintroducedintoChineseconstructionmarketoverthepasttenyears，theadvantagesofthemodeofconditionalbondswithhighpenaltyAmerican

2、Guarantee，whichwasoneofmajorpatternsofsuretybondsandwereunderwrittenbysuretycorporationshavebeenacceptedbytheownersandtheinvestorsHoweverinpractice，theimperfectnessofsuretycorporationsgrantingcreditandunderwritingledtoco

3、mplexprocedureandhighfarewhentheownersandthecontractorsobtainedbonds，whichmadetheownersandthecontractorsuseunconditionalbondswithlowpenaltyissuedbythebanksTherefore，thedevelopmentofsuretycorporationsandAmericanGuaranteeh

4、asbeenrestrainedBasedontheanalysisofthedevelopmentandtheexistingcircumstanceofforeigncontractguaranteeindustrybetweenforeigncountriesandChina，thetheories，suchascrediteconomics，informationeconomicsandgametheoryandthemetho

5、ds，suchasartificialneuralnetworks，geneticalgorithmandstructureequation，wereusedinattemptingtesearchcreditextensionofsuretybondinChinaAtfirst，themodesofsuretyship，thedifferencesbetweensuretybondissuedbySuretyCorporationan

6、dletterofcreditissuedbybank，thedifferencesofevaluationofcreditextensionbetweenSuretyCorporationandbankandtheflowpathofsuretycorporationgrantingcreditwerefurtherexploredBasedontheanalysismentionedaboveanddynamicgamewithin

7、completeinformation，thebehavioralstrategiesandbenefitsofthesuretycorporationandthecontractorwereanalyzedinordertofindtheequilibriumsbeforeandaftersuretycorporationgrantedcredittothecontractorConsequently，thereasonsandeff

8、ectsofeachbestbehavioralstrategywhichSuretyCorporationandcontractorchosewerediscussedTheanalysismentionedabovecouldprovidetheoreticalsupporttohelpsuretycorporationsgrantcreditandpromotethedevelopmentofsuretybondsDocument

9、summaryaboutsuretybondinforeigncountriesandChinacreditextensionbybankandcreditassessmentwasdetailedanalyzedandevaluatedBasedonevaluationofcreditextensioninUSA，evaluationofcreditextensionbybankandevaluationofcreditandperf

10、ormanceinChina，thequestionnaireWaSdesignedandthemethodsofDelphimethodandfactoranalysiswereusedtofiltertheinfluentialfactorsMoreovertheindicatorssystemandtheevaluationcriterionswereestablishedBasedontheindicatorssystem，th

11、emodelofevaluationofcreditextensionwasestablishedbyartificialneuralnetworkandWasoptimizedbyGeneticAlgorithmsThetrainingsamplesandtheexaminationalsampleswereusedtoincreasetheaccuracyofthemodel，whichcoulddecreaseSuretyCorp

12、oration’Sworkloadandreducetherelianceonunderwriter’SriskpreferenceandexperienceswhentheyunderwritesBasedoninfluencingparametersofbothlinesofcreditgrantedbybankandbondinglinegrantedbySuretyCorporation，theexistingcomputing

13、formulawasexaminedbystructureequationmodelingSequentiallythereasonablemodelofcalculatingbondinglinewasestablishedbasedonnonlinearregression，whichmeettheneedsofcontractorsandsuretycorporationsBasedoncasestudyandempiricala