Research On The Method For Identifying And Evaluating Enterprise Credit Risk Considering Commercial Banking System

Credit risk management of the enterprise is a very important activity for the bank. The effective management for the customers’credit risk is becoming an important path to own competitive advantage in facing global financial integration and fierce competition for the commercial bank. The level of credit risk evaluation plays a crucial role in the operations of commercial banks. The correct, rational and effective risk evaluation methods can lead the banks to make accurate judgments, which became the basis of commercial bank credit decisions.Commercial banks need to establish reasonable and effective credit risk assessment method to evaluate the enterprises. The main purpose is to enable commercial banks to develop scientific, rational and effective credit decisions. It can also reduce corporate customer credit caused due to credit risk. Due to the complexity characteristics of commercial bank credit risk management, the credit risk assessment is a relatively complex process. The characteristics of the problem and the reasonable methods for solving the problem need to be studied. It is able to get reasonable and effective analysis results through a reasonable credit risk assessment method. In this study, in order to solve the issues mentioned above, the credit risk and the credit risk of the banking system for the evaluation are introduced. Then, based on these basic theories, the key elements for corporate credit risk identification and evaluation methods are proposed.During the study follow progressively, from theory to practice ideas, this paper completed the following aspects of work:(1) Credit risk management analysis and understanding of relevant concepts. The character of credit risk assessment determines the complexity of the credit risk evaluation. In this paper, it analyzes the concept and characteristics of credit risk, the measurement methods and techniques for credit risk management, Based on this basis of concept, it makes a further discussion.(2) Related literatures review for credit risk and credit risk management. In the literature review, it proposes the key indicators for credit risk assessment.(3) Credit risk evaluation method for the bank to the corporation. Based on the previous research, it provides a commercial banks risk assessment approach.(4) Case analysis. A credit risk management process of actual commercial bank is analyzed, the effectiveness and practicality of the proposed method is tested through the proposed method.