| Commercial banks are in a key position in China’s economic construction, as the primary provider of indirect financing, our businesses are more or less in contact with the commercial banks. But with the economy increasingly competitive environment, the problem faced by the commercial banks have gradually emerged. The main business of commercial banks are profitable loan business, the pros and cons of a direct impact on lending to commercial banks to survive. Credit risk management has become one of the main objectives of commercial banks.Bank credit risk control needs to improve their risk management capabilities, credit risk control process is inseparable from the analysis of the corporate loan rating. Lending corporate financial information analysis, a key rating, but also become a commercial bank credit risk management a top priority. Financial information to reflect the merits of corporate business and become judge the size of the probability of default tools, from a financial perspective of the information in this article to start businesses, credit risk in different sectors of financial information and the commercial banks were investigated by Bayesian analysis interpretation,finally get a commercial bank credit risk losses in the lowest contribution to the distribution range of financial information, as a commercial bank’s credit risk management process for businesses to assess the basis forscoring. And concludes with specific advice based on the results of the study.This paper collected for analysis from 2007 to 2013 data from(2014unpublished data) to ensure the validity of empirical tests. Selected seven sectors, seven financial indicators to analyze. Bayesian analysis paper selected as a research tool, using Bayesian advantage in handling data integrity and non-probability areas, and changes can be made according to changes in the environment of rapid correction features timely response to the emergence of the model. |
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