Empirical Study On Credit Risk Management Of Commercial Bank In Logistic Model

China is a manufacturing country, the manufacturing industry is the pillar industry of the national economy, but there is the problem of slow development, employment difficulties, lack of liquidity to many manufacturing companies; technological progress is not obvious, product technical advantages are not significant, low profits exist at the same time. The above phenomenon manufacturing enterprises, mainly due to the loans financing difficulties:on the one hand, manufacturing enterprises need a lot of money hiring to expand production, product research and development, to improve their competitiveness, bigger and stronger; On the other hand, the Bank has never been able to give timely credit decisions and commitments to lend.The manufacturing enterprises financing difficulties mainly due to credit risk. This paper first described the commercial banks face credit risk characteristics and causes, and proceed research conducted a brief description and evaluation. Then the paper compares several commonly used credit risk evaluation model, including traditional credit risk assessment model, as well as modern credit risk evaluation model and discusses the basic idea, based on the assumptions as well as the advantages and disadvantages. Finally, this paper focuses on the applicability of the logistic model and its credit risk management of China’s manufacturing enterprises, which stated that this is one of the most suitable for the manufacturing enterprise credit risk evaluation method.In empirical research, this article will use factor analysis to extract the final asset income factor from the initially selected20financial indicators and non-financial indicators, sales revenue factor, the factor of short-term debt, long-term debt service factor, asset turnover factor, inventory turnover factor, income growth factor, asset growth factor, shareholders scale factor, scale factor of ten factors through empirical analysis, the specific expression of the draw on the credit risk of the manufacturing enterprises logistic model, and the model is the testing and analysis to clarify the practical significance of the model.Combined with the macroeconomic situation at the end of the article, some outlook on the results of the study, and future credit risk management of commercial banks made some suggestions include:regulating the banking supervision to prevent credit risk, asset securitization transfer of credit risk, the use of derivatives resolve risk, by reasonable operating credit risk to earnings. Provide effective guidance to commercial banks credit risk management.