Research On The Credit Of Commercial Banks

In the current economic environment, commercial bank loan to enterprise is more common a kind of financial instruments, credit can be in advance so that enterprises and the delineation of the financing scale, enable enterprises in their own development, more clearly see their own can achieve financial support, in order to make more development in the arrangement. For commercial banks, credit is a kind of recognition of the degree of risk which the enterprise can bear. It can lock the biggest risk of credit business in advance, which is beneficial to the overall risk control. So credit to the development of enterprises and commercial banks have played a vital role.But if the commercial bank credit to enterprises excessive, is easy to cause the enterprise credit abuse leading to commercial banks, credit risk, but if the Commercial Bank of enterprise credit problems, easily lead to enterprises in their own development, lack of stamina, liquidity difficulties. So how to define the enterprise’s final credit line is related to the development of power in the next period of time. And in the increasingly fierce competition in the financial market, commercial banks how to improve itself to the enterprise efficiency of credit, how fast to the enterprise credit requirements respond accurately is the key factor for the further development of the commercial banks. And the current commercial banking system in China is not very perfect, often there will be the risk of human factors. So how to fast, standardized and intuitive to complete the credit of the enterprise. Is a major issue faced by commercial banks.Through the previous theoretical analysis, to establish the mathematical model, the commercial bank line of credit, through a combination of corporate credit rating, we come to a conclusion that an enterprise can obtain credit reasonable area, so that commercial banks on corporate credit becomes more intuitive, reduce the interference of human mobilize, also can be more quickly to the enterprise credit needs to make a quick response, to obtain the initiative in the competition. In addition, this paper also analyzes the factors that affect the credit line, so that commercial banks can be more appropriate to match the credit line. Finally, through the establishment of credit system, the two credit models can be better combined, thus serving the daily work of the commercial bank.