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[fusion_button link=”#h_4644113011231671689403487″ title=”” target=”_blank” link_attributes=”” alignment_medium=”” alignment_small=”” alignment=”left” modal=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” class=”” id=”” color=”custom” button_gradient_top_color=”#1e73be” hue=”” saturation=”” lightness=”” alpha=”” button_gradient_bottom_color=”#1e73be” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”#5aabd6″ gradient_start_position=”” gradient_end_position=”” gradient_type=”” radial_direction=”” linear_angle=”” accent_color=”#ffffff” accent_hover_color=”#000000″ type=”flat” bevel_color=”” bevel_color_hover=”” border_top=”0px” border_right=”0px” border_bottom=”0px” border_left=”0px” border_radius_top_left=”0″ border_radius_top_right=”0″ border_radius_bottom_right=”0″ border_radius_bottom_left=”0″ border_color=”#ffffff” border_hover_color=”#000000″ size=”large” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” fusion_font_family_button_font=”” fusion_font_variant_button_font=”” font_size=”” line_height=”” letter_spacing=”” text_transform=”” stretch=”default” margin_top=”” margin_right=”” margin_bottom=”” margin_left=”” icon=”” icon_position=”left” icon_divider=”no” animation_type=”” animation_direction=”left” animation_speed=”1.0″ animation_offset=””]기업어음평가 의의[/fusion_button]
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[fusion_button link=”#h_2538537711651671691502294″ title=”” target=”_blank” link_attributes=”” alignment_medium=”” alignment_small=”” alignment=”left” modal=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” class=”” id=”” color=”custom” button_gradient_top_color=”#1e73be” hue=”” saturation=”” lightness=”” alpha=”” button_gradient_bottom_color=”#1e73be” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”#5aabd6″ gradient_start_position=”” gradient_end_position=”” gradient_type=”” radial_direction=”” linear_angle=”” accent_color=”#ffffff” accent_hover_color=”#000000″ type=”flat” bevel_color=”” bevel_color_hover=”” border_top=”0px” border_right=”0px” border_bottom=”0px” border_left=”0px” border_radius_top_left=”0″ border_radius_top_right=”0″ border_radius_bottom_right=”0″ border_radius_bottom_left=”0″ border_color=”#ffffff” border_hover_color=”#000000″ size=”large” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” fusion_font_family_button_font=”” fusion_font_variant_button_font=”” font_size=”” line_height=”” letter_spacing=”” text_transform=”” stretch=”default” margin_top=”” margin_right=”” margin_bottom=”” margin_left=”” icon=”” icon_position=”left” icon_divider=”no” animation_type=”” animation_direction=”left” animation_speed=”1.0″ animation_offset=””]기업어음평가 정의[/fusion_button]
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[fusion_button link=”#h_2024841581861671691613328″ title=”” target=”_blank” link_attributes=”” alignment_medium=”” alignment_small=”” alignment=”left” modal=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” class=”” id=”” color=”custom” button_gradient_top_color=”#1e73be” hue=”” saturation=”” lightness=”” alpha=”” button_gradient_bottom_color=”#1e73be” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”#5aabd6″ gradient_start_position=”” gradient_end_position=”” gradient_type=”” radial_direction=”” linear_angle=”” accent_color=”#ffffff” accent_hover_color=”#000000″ type=”flat” bevel_color=”” bevel_color_hover=”” border_top=”0px” border_right=”0px” border_bottom=”0px” border_left=”0px” border_radius_top_left=”0″ border_radius_top_right=”0″ border_radius_bottom_right=”0″ border_radius_bottom_left=”0″ border_color=”#ffffff” border_hover_color=”#000000″ size=”large” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” fusion_font_family_button_font=”” fusion_font_variant_button_font=”” font_size=”” line_height=”” letter_spacing=”” text_transform=”” stretch=”default” margin_top=”” margin_right=”” margin_bottom=”” margin_left=”” icon=”” icon_position=”left” icon_divider=”no” animation_type=”” animation_direction=”left” animation_speed=”1.0″ animation_offset=””]기업어음평가 절차[/fusion_button]
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[fusion_button link=”#h_7015663452131671691653958″ title=”” target=”_blank” link_attributes=”” alignment_medium=”” alignment_small=”” alignment=”left” modal=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” class=”” id=”” color=”custom” button_gradient_top_color=”#1e73be” hue=”” saturation=”” lightness=”” alpha=”” button_gradient_bottom_color=”#1e73be” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”#5aabd6″ gradient_start_position=”” gradient_end_position=”” gradient_type=”” radial_direction=”” linear_angle=”” accent_color=”#ffffff” accent_hover_color=”#000000″ type=”flat” bevel_color=”” bevel_color_hover=”” border_top=”0px” border_right=”0px” border_bottom=”0px” border_left=”0px” border_radius_top_left=”0″ border_radius_top_right=”0″ border_radius_bottom_right=”0″ border_radius_bottom_left=”0″ border_color=”#ffffff” border_hover_color=”#000000″ size=”large” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” fusion_font_family_button_font=”” fusion_font_variant_button_font=”” font_size=”” line_height=”” letter_spacing=”” text_transform=”” stretch=”default” margin_top=”” margin_right=”” margin_bottom=”” margin_left=”” icon=”” icon_position=”left” icon_divider=”no” animation_type=”” animation_direction=”left” animation_speed=”1.0″ animation_offset=””]기업어음평가 수수료[/fusion_button]
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기업어음평가 ( CP평가 ) 의의
단기자금 조달을 위해 기업이 발행하는 기업어음은 발행기업의 신용도에 따라 투자여부 및 발행조건이 결정되고 있는 바, 정부에서는 기업어음 시장을 우량기업의 단기자금 조달시장으로 발전시키기 위하여 객관적인 전문평가기관이 기업의 신용도를 평가하여 그 결과를 공시함으로써 투자자를 보호하고 금융기관의 자금중개 및 운용의 건전성을 확보하도록 하고 있습니다.
기업어음평가 ( CP평가 ) 대상
기업의 장래채무 상환능력을 평가하여 적기상환능력을 신용평가등급 형태로 공시함으로써 기업의 자금조달을 지원함과 동시에 투자자를 보호하여, 금융시장의 발전 및 효율성 증진에 기여하는 것이 기업어음 신용평가의 목적입니다.
기업어음평가 ( CP평가 ) 등급의 활용
종합금융회사가 무담보어음을 매출, 중개할 때는 매매통장 또는 어음의 여백에 당해 기업의 신용평가등급 중 최저의 등급을 표시하여야 하며 지정 평가기관이 평가하여 공시한 기업어음 신용평가 등급을 영업장에 비치하여야 함.
기업어음 신용평가등급은 기업어음 할인의 적용금리 결정 시 참고자료로 활용되고 있으며, 각종 금융기관의 여신 심사자료로도 이용됩니다. 또한 공개입찰서류의 첨부자료 등 기타 다양한 용도로 사용되고 있습니다.
기업어음평가 ( CP평가 ) 등급의 정의
| 신용등급 | 정의 |
| A1 | 적기 상환능력이 최상이며 상환능력의 안정성 또한 최상이고 투자위험도가 극히 낮음. |
| A2 | 적기 상환능력이 우수하지만 그 안정성은 A1등급에 비하여 다소 열등한 요소가 있음. |
| A3 | 적기 상환능력은 양호하나 장래의 급격한 환경변화에 따라 그 안정성이 다소 영향을 받을 가능성이 있음. |
| B | 적기 상환능력은 인정되지만 그 안정성에 다소 투기적인 요소가 내포되어 있음. |
| C | 적기 상환능력이 의문시되어 투기적 요소가 강함. |
| D | 현재 채무불이행 상태에 있음. |
1) 상기 등급 중 A2 등급에서 B 등급까지는 당해 등급에서 상대적 우열 정도에 따라 +,- 기호가 부가될 수 있음.
2) 미공시 등급은 신용등급 기호앞에 UD를, 자산유동화 관련 신용평가는 신용등급 기호 뒤에 (sf)를 부기함.
기업어음평가 ( CP평가 ) Process
본평가
기업어음을 발행하여 자금을 조달하려는 기업의 평가 의뢰 시 실시하는 평가로서, 최초로 기업어음을 발행하는 기업은 발행 시 신용평가를 의뢰하면 되고, 연중 계속해서 기업어음을 발행하는 기업은 결산일 기준으로 6개월 이내에 신규로 기업어음 평가등급을 받아야 합니다.
정기평가
기업어음은 본 평가 이후 반기 실적 및 기타 변화요인을 반영하기 위해 행하는 평가로서, 6개월 이내에 실시하는 것을 원칙으로 합니다.
수시평가
기업의 기 공시 된 기업어음 등급에 영향을 줄 수 있는 중대한 상황 변화가 발생한 경우 실시하는 평가로서 투자자에게 변화된 신용평가 정보를 보다 빠르게 전달하기 위해서 시행하고 있으며, 신용상태 감시대상(Watch List)제도도 수시평가를 통해 운영되고 있습니다.
등급의 감시(Rating Watch)
등급감시는 등급에 영향을 미치는 특정 사건이나 환경의 변화가 발생하여 기존 등급을 재검토할 필요가 있다고 판단될 때 부여되며, 이를 통하여 투자자들에게 신속하고 정확한 정보와 공정한 등급을 제공하고자 합니다. 통상적으로 검토기간은 90일을 초과하지 않는 것이 원칙이나 부득이한 경우 검토기간을 연장할 수 있습니다.
등급감시대상 등록제도(Watch List)
| 등급감시대상 등록기호 | 정의 |
| 등급상향검토(↑) | 등급의 상향조정이 필요한 사유 발생시 |
| 등급하향검토(↓) | 등급의 하향조정이 필요한 사유 발생시 |
| 불확실검토(↕) | 등급의 방향성을 명확하게 판단하기 어려운 사유 발생시 |
기업어음평가 ( CP평가 ) 절차
기업어음평가 ( CP평가 ) 등급 유효기간
최근의 결산 재무제표를 기준으로 평가 받은 기업어음 신용평가등급은 다음 결산기말로부터 6개월까지 유효합니다. 따라서 유효기간내에 새로이 신용평가등급을 받아야 기업어음 신용평가등급의 연속성이 유지될 수 있습니다.
기업어음평가 ( CP평가 ) 제출서류
정관, 법인등기부등본 및 사업자등록증 사본
최근 3개년도 사업보고서 또는 결산서 , 감사보고서
최근 월 금융거래현황자료, 지급보증, 담보제공 및 수혜업체 감사보고서 또는 이에 준하는 서류
최근 결산기의 매 분기말 합계잔액시산표
최근 월 합계잔액시산표
당사의 신용평가 소정양식에 의한 기초자료
기타 평가에 필요한 각종 참고자료
※ 요구자료는 업종의 특성에 따라 달라질 수 있으며, 제출된 기업정보는 엄격히 보호되고 있습니다.
기업어음평가 ( CP평가 ) 수수료
(부가가치세 별도, 만원 미만 절사)
| 신용평가 수수료 | 기본 수수료 | |||
| 기본 수수료 | 총 자산의 0.0023% (총 자산 : 공인회계사 감사 후 수정분) | |||
| 수수료 한도 | 중소기업 | 최저 300만원 최고 600만원 |
대기업 | 최저 600만원 최고 2,000만원 |
| 정기평가 수수료 | 기본 수수료(할인전)의 30% | |||
※ 수수료 산정 시 기업의 구분은 중소기업기본법 규정에 의함.
※ 예비평가수수료는 본평가수수료의 50%입니다.
※ 예비평가 후 3개월 이내에 본평가 신청 시에는 본평가 수수료의 차액만 지불하시면 됩니다.
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