The Construction And Analysis Of The Textile Industry Credit Risk Evaluation System

In rcent years, the world economic downturn, China economic slowdown, faces deep-seated contradictions in the process of economic development began to appear, which triggered the risk concentration risk to the bank transfer, the effective prevention of the risk has become an important means to ensure the quality of assets of the bank,therefore, the establishment of a complete set of effective credit risk assessment system has become the key the risk prevention.Binzhou City,Shandong Province, as one of the main cotton producing areas, has a long history of cotton and textile, textile industry after years of development, a complete and perfect, has formed a large industrial system. Textile industry credit occupy a certain proportion in the local financial institutions all credit, with X bank Binzhou branch as an example, as of6at the end of2014, the textile industry loans accounted for11.37%of the credit balance. But in recent years, the textile industry by sharp fluctuations in cotton prices, rising labor costs, RMB exchange rate, internationalcompetition and other factors, enterprises are facing multiple challenges. Therefore,the establishment of a complete set of effective textile industry credit risk assessment system has become an important part of effective risk prevention.Firstly, based on the analysis and Research on credit risk and risk assessment system of credit, research scholars, understanding the basic concept.Secondly, the paper introduces the overall situation of textile industry in Binzhou city. The main city of Binzhou textile industry characteristics and the credit risk status.Once again, as the focus of this paper, the article detailed analysis of the factors to construct the risk evaluation system of credit, including the industry access system, integrated two-dimensional rating system, credit asset classification system.Finally, the paper made a summary and outlook. Through the research on the credit risk status of the textile industry in Binzhou City, multi angle analysis of the overall situation of textile industry of Binzhou City, through the text, data, questionnaire method shows the textile industry risk to ways and means of control, on the basis of this put forward to the textile industry of Binzhou City credit risk evaluation system.