The Study On Compositive Evaluation Of Relationship Between Banks And Enterprises

Under the background of the economic globalization, China starts to establish and develop market economy system。 The essence of the market economy is credit economy. The relationship between enterprises and banks is playing an important role among all economic relationships., For a long time, impacted by the old economic mechanism , the bank-enterprise credit relationship was seriously distorted during the period of economic transformation。 An effective bank-enterprise credit relationship is the lubricant and powerful guarantee which effectively and reasonably develops our country's market economy 。 So it is an urgent task to build a new kind of bank-enterprise credit relationship that can be fit for Chinese economic environmentConsidering the objective basis of bank-enterprise credit relationship, the article surveys the history and present situation of our country's bank-enterprise credit relationship, and profoundly analyzes the hazards and reasons of its distortion。 By contrasting and analysing patterns of developed countries' bank-enterprise credit relationships, the article puts forward a new target which adapts to our country's situation。 Especially from microcosmic aspects, the paper puts forward a set of scientific all-around,rational and operational credit evaluation system on the sides of bank to solve those questions, such as subjective, no comparing among industries, deciding difficultly weight and time laggingo It uses principal components analysis method and analytic hierarchy process method to account the ability place of a loan enterprise in its industry, which can confirm the station in its industry better., By using time series model to forecast an enterprise's cash flow in the future, we can measure the repayment ability of an enterprise 。 From the industry risk , conduct risk, management risk and repayment willing of a loan enterprise , this paper analyses non-financial factor of enterprise。 Base on the calculation and analysis of loan enterprises' financial guidelines, non-financial factor and cash flow above, this paper also bring forward the marking method of appraising the credit ability synthetically., Finally, it demonstrates the factual application by virtual cases in this paper.