Research On The Risk Evaluation In Loan Projects Of Commerial Bank

Loan risk is one of most important source of risk that our commercial bank face and it constructs the main part of risk management. So strengthening the measurement is of much significance to our commercial bank. This article first analyzed the domestic and foreign commercial bank lending risk assessment research present situation and the research significance, then introduced credit risk's related theory, analyzed our country commercial bank lending risk present situation and the influencing factor; and pointed out that the existing question about commercial bank customer rating indexes and the inelasticity of small and medium-sized enterprise, then designed the brand-new indicator system. Further, Introduced fuzzy entropy's mathematics principle as well as the application method, use the entropy method to determine the weight of these indexes, fuzzy synthetic evaluation method is used to construct the comprehensive evaluate model of the small and medium-sized enterprise credit rating. We select the Haizheng drug industry as the represent to make the empirical analysis, finally proposed the suggestion of reducing the commercial bank lending risk by the case.