Commercial Bank Credit Risk Identification Sino-African Financial Factors Control

China’s major commercial banks to increase credit enterprisein non-financial analysis efforts, despite significantimprovements in analytical methods and procedures, but to fullygrasp and thorough analysis of non-financial factors and many a longway to go. At present, commercial banks in the credit target customercredit investigation, examination, a comprehensive risk analysis,often focus on the financial analysis of enterprises, but ignorethe qualitative analysis of non-financial factors of enterprise,such as enterprise of non-financial factors analysis is not standard,content is not specific, quantitative analysis of financialstatements of. In order to be more comprehensive, more detailedunderstanding of the business situation, reduce the credit risk,analysis of financial factors comprehensively strengthen the non,in the review process and credit investigation should be so.Because non-financial factors has the advantages of largeamount of information, implicit information rich and dynamic development, so the credit examiners to grasp the loan quality, andthe development trend of the borrower to provide a lot of helpreal-time tracking. The current credit risk for enterprises andcommercial banks, commercial banks, welcome risk identificationmethod is reliable, the increase of enterprise credit efforts havereduced the risk, can make the commercial banks for credit riskcontrol, the practical significance of this paper embodies therecognition of credit risk from the angle of the non-financialfactors commercial banks, which have certain effects on theidentification and control of enterprise credit risk.The risk factors identification of enterprise credit, financialfactors are more stressed there exist some defects, in fact, therisk identification is more important is the role of non-financialfactors, from this point of view, this paper for the non-financialfactors for theoretical research of credit risk recognition effect,should be played innovation and certain theory value; recognitionof credit risk is very important for enterprises and commercialbanks, this paper for identifying the analysis of non-financialfactors in enterprise credit risk, and its running status in theenterprise credit management is analyzed, which can make full use of the analysis of non-financial factors of effective measures tocontrol the credit risk, and credit is provided when the case andthe theory basis of risk identification.In this paper, using theoretical analysis and logical deductionand comprehensive analysis, combined with the theory of provisionsof China’s non-financial factors in credit risk recognition, onChina’s non-financial factors in the situation of commercial bankcredit risk identification were studied. Through the study of themain researches of non-financial factors and its problems. Throughthe analysis, proposed our country commercial bank how to make fulluse of non-financial factors were analyzed to effectively avoid thecredit risks.The conclusions of this paper are: analysis of financial factorsexist defects; role of non-financial factors in commercial bankscredit risk recognition of can be summarized as: comprehensivedynamic judgment the repayment ability of borrowers: acomprehensive assessment of the likelihood of repayment of the loan:promote the construction loan management system: analysis ofnon-financial factors in the enterprise credit management in theuse of inadequate for: commercial banks take on the risk measure, but also in the subjective judgement and financial analysis of thetwo stage, which may lead to the loan before the surveyafter-inspection difficulties, the analysis of non-financialfactors is not comprehensive; and the ability of banks creditmanagement is still in the lower level so that the management isnot standard, enterprise credit the degree is not high and will leadto loan monitoring difficult; enterprises in the loan processbecause of the lack of effective security measures, making itdifficult for banks to avoid risks; way of fully analyzing thecontrol of credit risk measures by non-financial factors: earnestlycarry out field visits, this is the premise of effectiveimplementation of non financial factor analysis; and to the customertalking face to face, which is the basis of analysis of non-financialfactors, the implementation of effective verification regulation;Check the condition of discard the false and retain the true, thisis the effective implementation of the fundamental analysis ofnon-financial factors; analysis of the investigation report and putforward opinions and suggestions put forward positive suggestions,this is the necessary way to analysis the effective implementationof non-financial factors. This paper think that prevention and recognition of credit riskis inseparable from the financial analysis of non-financial factors,but is also very important, for the analysis of financial factorsis a supplement and confirm, so it should be more widely used inthe recognition of credit risk, through the comprehensiveevaluation and other means, to more effectively prevent commercialbank credit risk.