Research On Our Commercial Bank Staff Behavior Risk Based On Credit Evaluation

Recently,with the economical development,our bank's save and loan scale climb unceasingly, bank organization quantity and the jobholders increase rapidly, the financial technology and the tool innovate, our commercial bank's ability and the international competitive power strengthen gradually.But at the same time,there also has the staff behavior risk's environmental condition in our bank. Moreover because our bank was released from the past planned economy system,did not establish the modern organization, the bank management and controls from the inside do not to be mature.This kind of institutional flaw caused the staff behavior risk of bank emerge and the bank staff's financial crime occur frequently.It has became a important danger of our bank . At present in the process witch our bank manage the risk ,the bank generally uses the way that standard operation,perfect mechanism and measure after the daner happened and so on, but the actual effect is extremely limited.It enable our commercial bank staff behavior not to keep a lookout.So, the question how to pretect our bank staff behavior risk already became a hot question which is paid attention.This article emphatically carries on the overall assessment to our bank staff behavior risk from the risk quantification angle, tries hard to establish a warning mechanism and reduces the possibility witch the commercial bank staff behavior risk occur.It can provide the beneficial method for our commercial bank that would control staff behavior risk.This article discusses the theory of our bank staff behavior risk firstly. Secondly,through analysing the behavior influence factors and the environment of the our bank, the article establishes the target system that affects our commercial staff behavior risk.Familly, the article take to evaluat our bank staff's behavior risk use the fuzzy judgment method. It can pretect the risk of the bank staff before the risk occurs basing on the evaluationg and achieve the goal witch control staff behavior risk, simultaneously we expect this method that can enrich gradually in reality.