{"id":38222,"date":"2025-12-22T06:01:40","date_gmt":"2025-12-21T22:01:40","guid":{"rendered":"https:\/\/www.zdsztech.com\/blog\/erp-financial-risk-z-score-model-warning\/"},"modified":"2025-12-22T06:01:40","modified_gmt":"2025-12-21T22:01:40","slug":"erp-financial-risk-z-score-model-warning","status":"publish","type":"post","link":"https:\/\/www.zdsztech.com\/blog\/erp-financial-risk-z-score-model-warning\/","title":{"rendered":"ERP\u7cfb\u7edf\u8d22\u52a1\u98ce\u9669\u9ad8\uff1f\u7528Z-score\u6a21\u578b\u9884\u8b66\u9760\u8c31\u5417\uff1f"},"content":{"rendered":"<p><img decoding=\"async\" src=\"https:\/\/www.zdsztech.com\/wp-content\/uploads\/2025\/12\/1766354499-918302a3196ef00a24bebfefeb84b057.jpeg\" alt=\"ERP\u7cfb\u7edf\u8d22\u52a1\u98ce\u9669\u9ad8\uff1f\u7528Z-score\u6a21\u578b\u9884\u8b66\u9760\u8c31\u5417\uff1f\"><\/p>\n<p>\u5728\u4f01\u4e1a\u8d44\u6e90\u89c4\u5212\uff08ERP\uff09\u7cfb\u7edf\u5df2\u6210\u4e3a\u6807\u914d\u7684\u4eca\u5929\uff0c\u8bb8\u591a\u51b3\u7b56\u8005\u6216\u8bb8\u4f1a\u8ba4\u4e3a\uff0c\u4f01\u4e1a\u7684\u8d22\u52a1\u72b6\u51b5\u5df2\u5c3d\u5728\u638c\u63e1\u3002\u7136\u800c\uff0c\u4e8b\u5b9e\u679c\u771f\u5982\u6b64\u5417\uff1f\u5f53\u8d22\u52a1\u90e8\u95e8\u63d0\u4ea4\u7684\u62a5\u8868\u4e00\u5207\u6b63\u5e38\u65f6\uff0c\u4e00\u573a\u6f5c\u5728\u7684\u8d22\u52a1\u98ce\u66b4\u53ef\u80fd\u6b63\u5728\u201c\u770b\u4e0d\u89c1\u201d\u7684\u89d2\u843d\u6084\u7136\u915d\u917f\u3002\u6211\u4eec\u5fc5\u987b\u6b63\u89c6\u4e00\u4e2a\u6838\u5fc3\u95ee\u9898\uff1a\u4f20\u7edf\u7684\u3001\u57fa\u4e8e\u5386\u53f2\u6570\u636e\u7684ERP\u62a5\u8868\uff0c\u662f\u5426\u8db3\u4ee5\u9884\u8b66\u672a\u6765\u7684\u8d22\u52a1\u5371\u673a\uff1f\u8fd9\u4e9b\u9759\u6001\u7684\u6570\u636e\u5feb\u7167\uff0c\u5f80\u5f80\u6ede\u540e\u4e8e\u77ac\u606f\u4e07\u53d8\u7684\u5e02\u573a\u52a8\u6001\uff0c\u53ef\u80fd\u8ba9\u4f01\u4e1a\u5728\u98ce\u9669\u9762\u524d\u53cd\u5e94\u8fdf\u7f13\uff0c\u9519\u5931\u6700\u4f73\u7684\u5e94\u5bf9\u65f6\u673a\u3002\u672c\u6587\u5c06\u4ee5\u9996\u5e2d\u884c\u4e1a\u5206\u6790\u5e08\u7684\u89c6\u89d2\uff0c\u91cd\u65b0\u5ba1\u89c6\u4e00\u4e2a\u7ecf\u5178\u7684\u8d22\u52a1\u9884\u8b66\u5de5\u5177\u2014\u2014Z-score\u6a21\u578b\u3002\u6211\u4eec\u5c06\u6df1\u5165\u5256\u6790\u5176\u5728\u5f53\u524d\u6570\u5b57\u5316\u73af\u5883\u4e0b\u7684\u6709\u6548\u6027\u4e0e\u5c40\u9650\u6027\uff0c\u5e76\u63a2\u8ba8\u5982\u4f55\u8d85\u8d8a\u4f20\u7edfERP\u7684\u675f\u7f1a\uff0c\u6784\u5efa\u4e00\u4e2a\u771f\u6b63\u654f\u6377\u3001\u4e3b\u52a8\u7684\u8d22\u52a1\u98ce\u9669\u9884\u8b66\u4f53\u7cfb\uff0c\u4e3a\u4f01\u4e1a\u51b3\u7b56\u8005\u63d0\u4f9b\u4e00\u4e2a\u5168\u65b0\u7684\u98ce\u9669\u8bc4\u4f30\u89c6\u89d2\uff0c\u786e\u4fdd\u4f01\u4e1a\u5728\u590d\u6742\u7684\u7ecf\u6d4e\u73af\u5883\u4e2d\u884c\u7a33\u81f4\u8fdc\u3002<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%E4%B8%80%E3%80%81%E4%BB%80%E4%B9%88%E6%98%AFZ-score%E6%A8%A1%E5%9E%8B%EF%BC%9F%E6%B4%9E%E6%82%89%E4%BC%81%E4%B8%9A%E8%B4%A2%E5%8A%A1%E5%81%A5%E5%BA%B7%E7%9A%84%E2%80%9C%E6%99%B4%E9%9B%A8%E8%A1%A8%E2%80%9D\"><\/span>\u4e00\u3001\u4ec0\u4e48\u662fZ-score\u6a21\u578b\uff1f\u6d1e\u6089\u4f01\u4e1a\u8d22\u52a1\u5065\u5eb7\u7684\u201c\u6674\u96e8\u8868\u201d<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Z-score\u6a21\u578b\uff0c\u5168\u79f0\u4e3a\u963f\u5c14\u7279\u66fcZ-score\u6a21\u578b\uff08Altman Z-score Model\uff09\uff0c\u662f\u7531\u7ebd\u7ea6\u5927\u5b66\u65af\u7279\u6069\u5546\u5b66\u9662\u7684\u6559\u6388\u7231\u5fb7\u534e\u00b7\u963f\u5c14\u7279\u66fc\uff08Edward Altman\uff09\u4e8e1968\u5e74\u9996\u6b21\u63d0\u51fa\u7684\u4e00\u79cd\u591a\u53d8\u91cf\u8d22\u52a1\u9884\u8b66\u6a21\u578b\u3002\u5b83\u5e76\u975e\u4f9d\u8d56\u5355\u4e00\u7684\u8d22\u52a1\u6307\u6807\uff0c\u800c\u662f\u901a\u8fc7\u5c06\u591a\u4e2a\u53cd\u6620\u4f01\u4e1a\u4e0d\u540c\u7ecf\u8425\u7ef4\u5ea6\u7684\u8d22\u52a1\u6bd4\u7387\u8fdb\u884c\u52a0\u6743\u6c47\u603b\uff0c\u5f97\u51fa\u4e00\u4e2a\u7efc\u5408\u6027\u7684\u5206\u503c\uff08Z\u503c\uff09\uff0c\u4ee5\u6b64\u6765\u91cf\u5316\u8bc4\u4f30\u4e00\u5bb6\u516c\u53f8\u5728\u672a\u6765\u4e24\u5e74\u5185\u9677\u5165\u8d22\u52a1\u56f0\u5883\u4e43\u81f3\u7834\u4ea7\u7684\u53ef\u80fd\u6027\u3002\u5176\u6838\u5fc3\u903b\u8f91\u5728\u4e8e\uff0c\u8d22\u52a1\u5371\u673a\u5e76\u975e\u4e00\u8e74\u800c\u5c31\uff0c\u800c\u662f\u591a\u79cd\u8d22\u52a1\u6307\u6807\u6301\u7eed\u6076\u5316\u7684\u7efc\u5408\u7ed3\u679c\u3002<\/p>\n<p>\u8be5\u6a21\u578b\u901a\u8fc7\u4e94\u4e2a\u5173\u952e\u7684\u8d22\u52a1\u6bd4\u7387\uff08X1\u81f3X5\uff09\u6784\u5efa\uff0c\u6bcf\u4e2a\u6bd4\u7387\u90fd\u4ece\u4e0d\u540c\u89d2\u5ea6\u63ed\u793a\u4e86\u4f01\u4e1a\u7684\u8d22\u52a1\u5065\u5eb7\u72b6\u51b5\uff0c\u6db5\u76d6\u4e86\u4f01\u4e1a\u7684\u6d41\u52a8\u6027\u3001\u76c8\u5229\u80fd\u529b\u3001\u6760\u6746\u6c34\u5e73\u3001\u507f\u503a\u80fd\u529b\u548c\u8d44\u4ea7\u6548\u7387\u3002\u8fd9\u4e9b\u6bd4\u7387\u4e0e\u5404\u81ea\u7684\u6743\u91cd\u76f8\u7ed3\u5408\uff0c\u6784\u6210\u4e86Z-score\u7684\u8ba1\u7b97\u516c\u5f0f\u3002<\/p>\n<p>\u4e3a\u4e86\u66f4\u6e05\u6670\u5730\u7406\u89e3\u5176\u6784\u6210\uff0c\u4e0b\u8868\u8be6\u7ec6\u5c55\u793a\u4e86Z-score\u6a21\u578b\u7684\u4e94\u4e2a\u5173\u952e\u8d22\u52a1\u6bd4\u7387\u53ca\u5176\u89e3\u8bfb\uff1a<\/p>\n<table>\n<thead>\n<tr>\n<th align=\"left\">\u8d22\u52a1\u6bd4\u7387<\/th>\n<th align=\"left\">\u8ba1\u7b97\u516c\u5f0f<\/th>\n<th align=\"left\">\u89e3\u8bfb\u610f\u4e49<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td align=\"left\"><strong>X1\uff1a\u8425\u8fd0\u8d44\u672c \/ \u603b\u8d44\u4ea7<\/strong><\/td>\n<td align=\"left\">(\u6d41\u52a8\u8d44\u4ea7 - \u6d41\u52a8\u8d1f\u503a) \/ \u603b\u8d44\u4ea7<\/td>\n<td align=\"left\">\u8861\u91cf\u4f01\u4e1a\u8d44\u4ea7\u7684\u6d41\u52a8\u6027\u53ca\u89c4\u6a21\u3002\u4e00\u4e2a\u9ad8\u6bd4\u7387\u8868\u660e\u516c\u53f8\u62e5\u6709\u5145\u8db3\u7684\u6d41\u52a8\u8d44\u4ea7\u6765\u652f\u6301\u5176\u8fd0\u8425\u548c\u507f\u8fd8\u77ed\u671f\u503a\u52a1\uff0c\u662f\u77ed\u671f\u507f\u503a\u80fd\u529b\u548c\u8fd0\u8425\u5b89\u5168\u6027\u7684\u91cd\u8981\u4f53\u73b0\u3002<\/td>\n<\/tr>\n<tr>\n<td align=\"left\"><strong>X2\uff1a\u7559\u5b58\u6536\u76ca \/ \u603b\u8d44\u4ea7<\/strong><\/td>\n<td align=\"left\">\u7559\u5b58\u6536\u76ca \/ \u603b\u8d44\u4ea7<\/td>\n<td align=\"left\">\u53cd\u6620\u4f01\u4e1a\u7684\u7d2f\u8ba1\u76c8\u5229\u80fd\u529b\u548c\u5229\u6da6\u518d\u6295\u8d44\u60c5\u51b5\u3002\u8fd9\u4e2a\u6bd4\u7387\u8d8a\u9ad8\uff0c\u8bf4\u660e\u4f01\u4e1a\u591a\u5e74\u7ecf\u8425\u79ef\u7d2f\u7684\u81ea\u6709\u8d44\u672c\u8d8a\u96c4\u539a\uff0c\u8d22\u52a1\u57fa\u7840\u8d8a\u7a33\u56fa\u3002<\/td>\n<\/tr>\n<tr>\n<td align=\"left\"><strong>X3\uff1a\u606f\u7a0e\u524d\u5229\u6da6 \/ \u603b\u8d44\u4ea7<\/strong><\/td>\n<td align=\"left\">(\u5229\u6da6\u603b\u989d + \u8d22\u52a1\u8d39\u7528) \/ \u603b\u8d44\u4ea7<\/td>\n<td align=\"left\">\u5373\u603b\u8d44\u4ea7\u6536\u76ca\u7387\uff08ROA\uff09\uff0c\u8861\u91cf\u4f01\u4e1a\u5229\u7528\u5176\u5168\u90e8\u8d44\u4ea7\u521b\u9020\u5229\u6da6\u7684\u6548\u7387\u3002\u5b83\u5254\u9664\u4e86\u7a0e\u6536\u548c\u5229\u606f\u7684\u5f71\u54cd\uff0c\u66f4\u7eaf\u7cb9\u5730\u53cd\u6620\u4e86\u4f01\u4e1a\u7684\u6838\u5fc3\u76c8\u5229\u80fd\u529b\u3002<\/td>\n<\/tr>\n<tr>\n<td align=\"left\"><strong>X4\uff1a\u516c\u53f8\u603b\u5e02\u503c \/ \u603b\u8d1f\u503a<\/strong><\/td>\n<td align=\"left\">\u80a1\u7968\u5e02\u503c\u603b\u989d \/ \u603b\u8d1f\u503a<\/td>\n<td align=\"left\">\u8861\u91cf\u4f01\u4e1a\u7684\u8d22\u52a1\u6760\u6746\u548c\u5e02\u573a\u4ef7\u503c\u3002\u5b83\u4ece\u5e02\u573a\u7684\u89d2\u5ea6\u8bc4\u4f30\u516c\u53f8\u7684\u507f\u503a\u80fd\u529b\uff0c\u4e00\u4e2a\u9ad8\u6bd4\u7387\u610f\u5473\u7740\u516c\u53f8\u7684\u5e02\u573a\u4ef7\u503c\u8fdc\u8d85\u5176\u8d1f\u503a\uff0c\u7834\u4ea7\u98ce\u9669\u8f83\u4f4e\u3002<\/td>\n<\/tr>\n<tr>\n<td align=\"left\"><strong>X5\uff1a\u9500\u552e\u6536\u5165 \/ \u603b\u8d44\u4ea7<\/strong><\/td>\n<td align=\"left\">\u8425\u4e1a\u6536\u5165 \/ \u603b\u8d44\u4ea7<\/td>\n<td align=\"left\">\u5373\u603b\u8d44\u4ea7\u5468\u8f6c\u7387\uff0c\u8861\u91cf\u4f01\u4e1a\u5229\u7528\u8d44\u4ea7\u4ea7\u751f\u9500\u552e\u6536\u5165\u7684\u6548\u7387\u3002\u8fd9\u4e2a\u6bd4\u7387\u8d8a\u9ad8\uff0c\u8868\u660e\u516c\u53f8\u7684\u8d44\u4ea7\u8fd0\u8425\u6548\u7387\u8d8a\u9ad8\uff0c\u9500\u552e\u80fd\u529b\u8d8a\u5f3a\u3002<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u901a\u8fc7\u8ba1\u7b97\u5f97\u51fa\u7684Z\u503c\uff0c\u963f\u5c14\u7279\u66fc\u4e3a\u4e0a\u5e02\u516c\u53f8\u8bbe\u5b9a\u4e86\u4e09\u4e2a\u5224\u65ad\u533a\u95f4\uff1a<\/p>\n<ul>\n<li><strong>\u5b89\u5168\u533a (Z &gt; 2.99):<\/strong> \u4f01\u4e1a\u8d22\u52a1\u72b6\u51b5\u826f\u597d\uff0c\u7834\u4ea7\u98ce\u9669\u6781\u4f4e\u3002<\/li>\n<li><strong>\u7070\u8272\u533a (1.81 &lt; Z \u2264 2.99):<\/strong> \u4f01\u4e1a\u8d22\u52a1\u72b6\u51b5\u4e0d\u7a33\u5b9a\uff0c\u5b58\u5728\u4e00\u5b9a\u7684\u7834\u4ea7\u98ce\u9669\uff0c\u9700\u8981\u5f15\u8d77\u8b66\u60d5\u548c\u8fdb\u4e00\u6b65\u5206\u6790\u3002<\/li>\n<li><strong>\u5371\u9669\u533a (Z \u2264 1.81):<\/strong> \u4f01\u4e1a\u9762\u4e34\u4e25\u91cd\u7684\u8d22\u52a1\u56f0\u5883\uff0c\u7834\u4ea7\u98ce\u9669\u6781\u9ad8\u3002<\/li>\n<\/ul>\n<p>\u7efc\u4e0a\u6240\u8ff0\uff0cZ-score\u6a21\u578b\u5982\u540c\u4e00\u5f20\u8d22\u52a1\u5065\u5eb7\u7684\u201cCT\u626b\u63cf\u56fe\u201d\uff0c\u5b83\u5c06\u590d\u6742\u7684\u8d22\u52a1\u62a5\u8868\u6570\u636e\u8f6c\u5316\u4e3a\u4e00\u4e2a\u76f4\u89c2\u3001\u53ef\u91cf\u5316\u7684\u98ce\u9669\u8bc4\u5206\uff0c\u4e3a\u7ba1\u7406\u8005\u63d0\u4f9b\u4e86\u4e00\u4e2a\u7b80\u6d01\u800c\u6709\u529b\u7684\u65e9\u671f\u9884\u8b66\u4fe1\u53f7\u3002<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%E4%BA%8C%E3%80%81ERP%E7%B3%BB%E7%BB%9F%E4%B8%8EZ-score%E6%A8%A1%E5%9E%8B%EF%BC%9A%E6%98%AF%E2%80%9C%E5%A4%A9%E4%BD%9C%E4%B9%8B%E5%90%88%E2%80%9D%E8%BF%98%E6%98%AF%E2%80%9C%E6%B0%B4%E5%9C%9F%E4%B8%8D%E6%9C%8D%E2%80%9D%EF%BC%9F\"><\/span>\u4e8c\u3001ERP\u7cfb\u7edf\u4e0eZ-score\u6a21\u578b\uff1a\u662f\u201c\u5929\u4f5c\u4e4b\u5408\u201d\u8fd8\u662f\u201c\u6c34\u571f\u4e0d\u670d\u201d\uff1f<span 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class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u901a\u8fc7\u672c\u6587\u7684\u6df1\u5ea6\u5256\u6790\uff0c\u6211\u4eec\u53ef\u4ee5\u5f97\u51fa\u6e05\u6670\u7684\u7ed3\u8bba\uff1a\u5728\u6570\u5b57\u5316\u65f6\u4ee3\uff0c\u5355\u4e00\u4f9d\u8d56\u4f20\u7edfERP\u7cfb\u7edf\u7684\u6807\u51c6\u5316\u62a5\u8868\u6765\u7ba1\u7406\u8d22\u52a1\u98ce\u9669\uff0c\u65e0\u5f02\u4e8e\u5728\u540e\u89c6\u955c\u91cc\u770b\u8def\uff0c\u5b58\u5728\u7740\u5de8\u5927\u7684\u76f2\u533a\u548c\u6ede\u540e\u6027\u3002Z-score\u6a21\u578b\u4f5c\u4e3a\u4e00\u4e2a\u7ecf\u5178\u7684\u91cf\u5316\u9884\u8b66\u5de5\u5177\uff0c\u867d\u7136\u5f3a\u5927\uff0c\u4f46\u5176\u6709\u6548\u6027\u9ad8\u5ea6\u4f9d\u8d56\u4e8e\u6570\u636e\u7684\u8d28\u91cf\u3001\u5206\u6790\u7684\u7075\u6d3b\u6027\u4ee5\u53ca\u5bf9\u884c\u4e1a\u7279\u6027\u7684\u9002\u5e94\u6027\uff0c\u7edd\u975e\u53ef\u4ee5\u76f2\u76ee\u5957\u7528\u7684\u201c\u4e07\u80fd\u516c\u5f0f\u201d\u3002<\/p>\n<p>\u5bf9\u4e8e\u6b63\u5728\u79ef\u6781\u5bfb\u6c42\u6570\u5b57\u5316\u8f6c\u578b\u7684\u4f01\u4e1a\u51b3\u7b56\u8005\u800c\u8a00\uff0c\u771f\u6b63\u7684\u7834\u5c40\u70b9\u5728\u4e8e\u601d\u7ef4\u6a21\u5f0f\u7684\u8f6c\u53d8\u2014\u2014\u4ece\u88ab\u52a8\u63a5\u6536\u8d22\u52a1\u62a5\u544a\uff0c\u8f6c\u5411\u4e3b\u52a8\u6784\u5efa\u4e00\u4e2a\u80fd\u591f\u6574\u5408\u591a\u6e90\u6570\u636e\u3001\u8fdb\u884c\u7075\u6d3b\u5206\u6790\u5e76\u4e3b\u52a8\u89e6\u53d1\u9884\u8b66\u7684\u52a8\u6001\u98ce\u9669\u7ba1\u7406\u4f53\u7cfb\u3002\u8fd9\u4e0d\u4ec5\u662f\u6280\u672f\u5de5\u5177\u7684\u5347\u7ea7\uff0c\u66f4\u662f\u7ba1\u7406\u80fd\u529b\u7684\u8dc3\u8fc1\u3002<\/p>\n<p>\u5173\u952e\u5728\u4e8e\u9009\u62e9\u6b63\u786e\u7684\u5e73\u53f0\uff0c\u8d4b\u4e88\u4e1a\u52a1\u56e2\u961f\u4ee5\u6570\u636e\u81ea\u4e3b\u6743\u3002\u6211\u4eec\u53f7\u53ec\u4f01\u4e1a\u62e5\u62b1\u5982<strong>\u652f\u9053\u5e73\u53f0<\/strong>\u8fd9\u6837\u7684\u65b0\u4e00\u4ee3\u6570\u5b57\u5316\u5de5\u5177\uff0c\u5b83\u4eec\u4ee5\u65e0\u4ee3\u7801\u3001\u9ad8\u7075\u6d3b\u6027\u7684\u65b9\u5f0f\uff0c\u8ba9\u4f01\u4e1a\u80fd\u591f\u5feb\u901f\u3001\u4f4e\u6210\u672c\u5730\u642d\u5efa\u8d77\u4e13\u5c5e\u7684\u8d22\u52a1\u201c\u9632\u706b\u5899\u201d\u3002\u901a\u8fc7\u5c06Z-score\u6a21\u578b\u7b49\u5206\u6790\u5de5\u5177\u5185\u5d4c\u4e8e\u52a8\u6001\u7684\u6570\u636e\u770b\u677f\u548c\u81ea\u52a8\u5316\u7684\u4e1a\u52a1\u6d41\u7a0b\u4e2d\uff0c\u4f01\u4e1a\u53ef\u4ee5\u5c06\u8d22\u52a1\u98ce\u9669\u7ba1\u7406\u63d0\u5347\u5230\u524d\u6240\u672a\u6709\u7684\u6218\u7565\u9ad8\u5ea6\uff0c\u771f\u6b63\u505a\u5230\u4ee5\u6570\u636e\u9a71\u52a8\u51b3\u7b56\uff0c\u9632\u60a3\u4e8e\u672a\u7136\u3002<\/p>\n<p><strong>\u7acb\u5373\u5f00\u59cb\u514d\u8d39\u8bd5\u7528\uff0c\u63a2\u7d22\u5982\u4f55\u6784\u5efa\u60a8\u4e13\u5c5e\u7684\u8d22\u52a1\u98ce\u9669\u9884\u8b66\u770b\u677f\u3002<\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%E5%85%B3%E4%BA%8E%E8%B4%A2%E5%8A%A1%E9%A3%8E%E9%99%A9%E9%A2%84%E8%AD%A6%E4%B8%8EZ-score%E6%A8%A1%E5%9E%8B%E7%9A%84%E5%B8%B8%E8%A7%81%E9%97%AE%E9%A2%98\"><\/span>\u5173\u4e8e\u8d22\u52a1\u98ce\u9669\u9884\u8b66\u4e0eZ-score\u6a21\u578b\u7684\u5e38\u89c1\u95ee\u9898<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Z-score%E6%A8%A1%E5%9E%8B%E9%80%82%E7%94%A8%E4%BA%8E%E6%89%80%E6%9C%89%E7%B1%BB%E5%9E%8B%E7%9A%84%E5%85%AC%E5%8F%B8%E5%90%97%EF%BC%9F%EF%BC%88%E4%BE%8B%E5%A6%82%E9%9D%9E%E4%B8%8A%E5%B8%82%E5%85%AC%E5%8F%B8%E6%88%96%E5%88%9D%E5%88%9B%E4%BC%81%E4%B8%9A%EF%BC%89\"><\/span>1. Z-score\u6a21\u578b\u9002\u7528\u4e8e\u6240\u6709\u7c7b\u578b\u7684\u516c\u53f8\u5417\uff1f\uff08\u4f8b\u5982\u975e\u4e0a\u5e02\u516c\u53f8\u6216\u521d\u521b\u4f01\u4e1a\uff09<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u4e0d\u5b8c\u5168\u9002\u7528\u3002\u539f\u59cb\u7684Z-score\u6a21\u578b\u662f\u57fa\u4e8e\u516c\u5f00\u4ea4\u6613\u7684\u5236\u9020\u4e1a\u516c\u53f8\u6570\u636e\u5f00\u53d1\u7684\uff0c\u7279\u522b\u662f\u5176\u53d8\u91cfX4\uff08\u516c\u53f8\u603b\u5e02\u503c\/\u603b\u8d1f\u503a\uff09\u76f4\u63a5\u4f9d\u8d56\u4e8e\u516c\u5f00\u5e02\u573a\u4f30\u503c\u3002\u56e0\u6b64\uff0c\u5bf9\u4e8e\u975e\u4e0a\u5e02\u516c\u53f8\uff0c\u8be5\u6a21\u578b\u65e0\u6cd5\u76f4\u63a5\u4f7f\u7528\u3002\u7231\u5fb7\u534e\u00b7\u963f\u5c14\u7279\u66fc\u540e\u6765\u4e5f\u9488\u5bf9\u975e\u4e0a\u5e02\u516c\u53f8\u548c\u65b0\u5174\u5e02\u573a\u516c\u53f8\u63a8\u51fa\u4e86\u4fee\u6b63\u7248\u7684\u6a21\u578b\uff0c\u4f8b\u5982\uff0c\u7528\u201c\u6240\u6709\u8005\u6743\u76ca\u8d26\u9762\u4ef7\u503c\u201d\u66ff\u4ee3\u201c\u516c\u53f8\u603b\u5e02\u503c\u201d\u3002\u5bf9\u4e8e\u521d\u521b\u4f01\u4e1a\uff0c\u5c24\u5176\u662f\u90a3\u4e9b\u5904\u4e8e\u65e9\u671f\u4e8f\u635f\u3001\u9ad8\u6295\u5165\u9636\u6bb5\u7684\u79d1\u6280\u516c\u53f8\uff0cZ-score\u6a21\u578b\u7684\u9002\u7528\u6027\u66f4\u4f4e\uff0c\u56e0\u4e3a\u5b83\u4eec\u7684\u8d22\u52a1\u7279\u5f81\uff08\u5982\u8d1f\u7684\u7559\u5b58\u6536\u76ca\u3001\u4f4e\u8425\u8fd0\u8d44\u672c\uff09\u5f80\u5f80\u4f1a\u5bfc\u81f4Z\u503c\u504f\u4f4e\uff0c\u4f46\u8fd9\u5e76\u4e0d\u80fd\u51c6\u786e\u53cd\u6620\u5176\u9ad8\u6210\u957f\u6f5c\u529b\u548c\u957f\u671f\u4ef7\u503c\u3002\u5bf9\u6b64\u7c7b\u516c\u53f8\uff0c\u5e94\u66f4\u591a\u5730\u5173\u6ce8\u73b0\u91d1\u6d41\u3001\u7528\u6237\u589e\u957f\u3001\u5e02\u573a\u4efd\u989d\u7b49\u975e\u4f20\u7edf\u8d22\u52a1\u6307\u6807\u3002<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_%E8%AE%A1%E7%AE%97Z-score%E6%A8%A1%E5%9E%8B%E9%9C%80%E8%A6%81%E5%93%AA%E4%BA%9B%E5%85%B7%E4%BD%93%E7%9A%84%E8%B4%A2%E5%8A%A1%E6%8A%A5%E8%A1%A8%E6%95%B0%E6%8D%AE%EF%BC%9F\"><\/span>2. \u8ba1\u7b97Z-score\u6a21\u578b\u9700\u8981\u54ea\u4e9b\u5177\u4f53\u7684\u8d22\u52a1\u62a5\u8868\u6570\u636e\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u8ba1\u7b97Z-score\u6a21\u578b\u4e3b\u8981\u9700\u8981\u6765\u81ea\u4f01\u4e1a\u8d44\u4ea7\u8d1f\u503a\u8868\u548c\u5229\u6da6\u8868\u7684\u6570\u636e\u3002\u5177\u4f53\u5305\u62ec\uff1a<\/p>\n<ul>\n<li><strong>\u6765\u81ea\u8d44\u4ea7\u8d1f\u503a\u8868<\/strong>\uff1a\u6d41\u52a8\u8d44\u4ea7\u3001\u6d41\u52a8\u8d1f\u503a\uff08\u7528\u4e8e\u8ba1\u7b97X1\uff09\u3001\u603b\u8d44\u4ea7\uff08\u7528\u4e8e\u8ba1\u7b97X1, X2, X3, X5\uff09\u3001\u7559\u5b58\u6536\u76ca\uff08\u7528\u4e8e\u8ba1\u7b97X2\uff09\u3001\u603b\u8d1f\u503a\uff08\u7528\u4e8e\u8ba1\u7b97X4\uff09\u3002\u5bf9\u4e8e\u4e0a\u5e02\u516c\u53f8\uff0c\u8fd8\u9700\u8981\u83b7\u53d6\u5b9e\u65f6\u7684\u80a1\u7968\u603b\u5e02\u503c\uff08\u7528\u4e8e\u8ba1\u7b97X4\uff09\u3002<\/li>\n<li><strong>\u6765\u81ea\u5229\u6da6\u8868<\/strong>\uff1a\u606f\u7a0e\u524d\u5229\u6da6\uff08EBIT\uff0c\u7528\u4e8e\u8ba1\u7b97X3\uff09\uff0c\u53ef\u4ee5\u901a\u8fc7\u201c\u5229\u6da6\u603b\u989d + \u8d22\u52a1\u8d39\u7528\u201d\u8fd1\u4f3c\u8ba1\u7b97\uff1b\u9500\u552e\u6536\u5165\uff08\u6216\u8425\u4e1a\u6536\u5165\uff0c\u7528\u4e8e\u8ba1\u7b97X5\uff09\u3002\u8fd9\u4e9b\u6570\u636e\u901a\u5e38\u662f\u4f01\u4e1a\u8d22\u52a1\u90e8\u95e8\u6700\u57fa\u7840\u3001\u6700\u6838\u5fc3\u7684\u6570\u636e\uff0c\u5728\u4efb\u4f55\u89c4\u8303\u7684ERP\u7cfb\u7edf\u6216\u4f1a\u8ba1\u8f6f\u4ef6\u4e2d\u90fd\u53ef\u4ee5\u8f7b\u677e\u83b7\u53d6\u3002<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"3_%E9%99%A4%E4%BA%86Z-score%E6%A8%A1%E5%9E%8B%EF%BC%8C%E8%BF%98%E6%9C%89%E5%93%AA%E4%BA%9B%E5%B8%B8%E7%94%A8%E7%9A%84%E8%B4%A2%E5%8A%A1%E9%A2%84%E8%AD%A6%E6%A8%A1%E5%9E%8B%EF%BC%9F\"><\/span>3. \u9664\u4e86Z-score\u6a21\u578b\uff0c\u8fd8\u6709\u54ea\u4e9b\u5e38\u7528\u7684\u8d22\u52a1\u9884\u8b66\u6a21\u578b\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u9664\u4e86Z-score\u6a21\u578b\uff0c\u5b66\u672f\u754c\u548c\u5b9e\u52a1\u754c\u8fd8\u53d1\u5c55\u4e86\u5176\u4ed6\u591a\u79cd\u8d22\u52a1\u9884\u8b66\u6a21\u578b\uff0c\u5404\u6709\u4fa7\u91cd\uff1a<\/p>\n<ul>\n<li><strong>Logit\u6a21\u578b\u548cProbit\u6a21\u578b<\/strong>\uff1a\u8fd9\u4e9b\u662f\u57fa\u4e8e\u6982\u7387\u7684\u7edf\u8ba1\u6a21\u578b\uff0c\u5b83\u4eec\u9884\u6d4b\u7684\u662f\u4f01\u4e1a\u7834\u4ea7\u7684\u201c\u6982\u7387\u201d\uff0c\u800c\u4e0d\u4ec5\u4ec5\u662f\u4e00\u4e2a\u5206\u503c\u3002\u76f8\u6bd4Z-score\u7684\u7ebf\u6027\u6a21\u578b\uff0c\u5b83\u4eec\u5728\u7406\u8bba\u4e0a\u66f4\u4e3a\u4e25\u8c28\uff0c\u80fd\u5904\u7406\u975e\u7ebf\u6027\u5173\u7cfb\u3002<\/li>\n<li><strong>\u73b0\u91d1\u6d41\u57fa\u7840\u6a21\u578b<\/strong>\uff1a\u4e00\u4e9b\u6a21\u578b\u66f4\u4fa7\u91cd\u4e8e\u4f01\u4e1a\u7684\u73b0\u91d1\u6d41\u72b6\u51b5\uff0c\u8ba4\u4e3a\u73b0\u91d1\u6d41\u7684\u67af\u7aed\u662f\u5bfc\u81f4\u8d22\u52a1\u5371\u673a\u7684\u6700\u76f4\u63a5\u539f\u56e0\u3002\u4f8b\u5982\uff0c\u57fa\u4e8e\u7ecf\u8425\u6d3b\u52a8\u73b0\u91d1\u6d41\u7684\u5404\u9879\u6bd4\u7387\u5206\u6790\u3002<\/li>\n<li><strong>C-Score\u6a21\u578b\uff08C-Score Model\uff09<\/strong>\uff1a\u7531\u8a79\u59c6\u65af\u00b7\u8499\u8482\u5c14\uff08James 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