Research On Credit Risk Management Of Private Enterprises In X Commercial Bank

Since China's reform and opening up,the development of private economy has gradually completed the primitive accumulation and become the strength and strong growth potential in the future of China's enterprises force which of the development growing from low to fast and the scale of from small to large.Over the recovery and development process of nearly 40 years,the private economy shows their incomparable market energy to stimulate vitality of various factors of production,promoting the optimization and upgrading of industrial structure and social employment.It plays an important role in promoting economic and social development and the great rejuvenation of the realization,as an important part of China's socialist market economy,also gradually becoming an important group of customers of commercial banks.In the background of weak recovery of the world economy and China's economy into the new normal,the state issued a series of policies and measures to stimulate private investment in energy,provides conditions for further stimulate the vitality of private capital,in nineteen big reports of the party and the central economic work conference in 2017 are proposed to support the development of private enterprises.In the new era,the business environment of commercial banks has also undergone significant changes.The completion of interest rate marketization reform and the pressure of slower profit growth have promoted the expansion of credit scale of private banks in commercial banks.On the other hand,under the new normal,China's financial sector is still at a high risk stage.The asset quality of commercial banks is decreasing.The rate of non-performing loans is rising.The bottom line of holding the systemic risk is the common demand of commercial banks and financial regulators.At the present stage,the prominent feature of the development of private enterprises is collectivization and diveorsification,which accelerates the growth of enterprises.On the other hand,it also brings greater difficulties to the credit management and risk prevention and control of commercial banks.Based on the existing research results domestic and overseas,the dissertation further discusses the influence of characteristics of the development of private enterprises on the commercial bank loan risk and establishes a dynamic game model of simple analysis of the impact of changes in the macroeconomic risk loans to private enterprises;secondly,this paper analyzes credit risk characteristics of private enterprises in X branch of China Construction Bank,discussing the credit business process.Thirdly,logistic model and neural network model are applied to establish model of credit evaluation of private enterprises.The conclusion of empirical analysis shows that the logistic risk assessment model is better than the neural network model,and is more practical and practical.Finally,combined with the domestic and foreign risk management of outstanding practical optimization strategy is given and suggestions for X commercial banks and the real economy of the new era further combined to provide experience for reference.