帮顶一下

挺好的问题，楼主还在做融资租赁吗，从前台跳到后台了？5K到30K的项目，不小了
不知道楼主现在对于以前的这个问题有没有好的看法，我想学习

而且国内无论是国有还是民营，我们的历史信息量是比较低的，有时也就是2年的审计报告而已...
...上级让我们做一个公式，用它判断项目放款和报价额度，里面要求有系数...我们拍脑子或者借一个出来套用...
...经过评级打分后说---贷款人主题风险系数为0.25，这个怎么验证啊...
...不但分行业，还要分大中小，股东性质等等...
...这些系数甚至整个公式根本不是从数据中做出来的，反而是自己抄/编出来的啊...

Buddy, the risk management practice you mentioned is actually very risky.
Financial analysis is largely based on financial data from past three years.

With limited information, I don't know how you derive your "coefficients"? Not to mention your confidence interval.

A quick and reliable method is get your coefficient from your database which sounds not your case at all.
Without basic group variables, it is hard to get what you want.

Of course, an expert may get his/her conclusion instantly without any model.
It needs time.

In summary, "自己抄/编出来" is not a good policy.