信用分析是FRM二级考试中的内容，是商业银行对借款人的还款能力进行的系统调查和研究。下文是对信用分析的例题解析，希望对备考的你有所帮助！

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;》》》点击领取2021年FRM备考资料大礼包（戳我免·费领取）

●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?》》》点击咨询FRM特惠课程

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【资料下载】点击下载融跃教育FRM考试公式表

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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