Study Of Credit Rating Methods For Real Estate Enterprises Of Commercial Bank

Bank is a kind of enterprises that engaged in money management, it will be faced with a variety of risks. In face of the rapidly developing market economy, the enterprises need huge capital. So a valid credit rate for enterprise is necessary if the bank wants to reduce risks when it issues a loan. As the pillar industries in the national economy, the real estate enterprises have some features such as high degree of association, strong power of drive, wider outreach and so on. On account of the enterprises have some problems such as big investment scale, long development period, long consumption period, huge occupation of capital and long recover time, it can't leave the support of commercial banks. The real estate enterprises have become business object of commercial banks, because they need to borrow a large number of money from commercial banks. These days real estate enterprises are influenced by the financial crisis, they are lack in cash flow. There is symptom of financing chain breakdown between the real estate enterprises and commercial banks. The price of real estate merchandise is moving towards weaken and gliding, this will lead to more crisis for commercial banks because of the influence of real estate merchandise to the price of land. So an analysis for credit to the real estate enterprise is necessary for the commercial bank to reduce risks and the possibility of bad debts.Standing in the place of commercial banks, it introduces the concept, feature, beginning and development of credit risks. After categorizing and summarizing the current research situation at home an abroad, choosing proper evaluation indexes and methods and using the financial information from stockjobber and enterprises we create a Logistic model. The data is done by special method, and then tested by SPSS software. Following a Logistic model is got from test samples. At last the Logistic model is tested by a new case to prove its explanatory.