中文摘要：

针对当前上市公司信用风险管理效果不佳的问题,提出以上市公司违约概率作为信用风险高低的衡量标准,利用我国上市公司的财务数据,结合主成分分析法和Logistic方法构造了上市公司信用风险评估模型。实证研究结果表明,该模型具有可信的识别预测和推广能力,能够为企业信用风险程度的判定提供客观依据。

英文摘要：

Aimed at the credit risk of commercial banks, taking the listed companies＇ default rate as a criterion. , a model for credit risk evaluation was built based on principal component analysis and Logistic model. Results show that this model can effective predicts credit risks of the listed company.