The Research On Credit Risk Assessment Of Light Assets Enterprises

Credit loan is the main channel of capital investment for commercial banks,and also the main source of income for commercial banks.But at the same time bring income,also let commercial banks face different levels of credit risk.How to avoid and control credit risk effectively is the core of credit management in commercial banks,and the premise and key to effectively avoid and control credit risk is to carry out scientific evaluation of credit risk.Different credit objects,asset structure and operation mode are different,and there are obvious differences in the specific reasons that bring credit risk to banks at the micro-level.In the process of credit management,credit risk assessment is the most basic and the most important link.The effective credit risk assessment method can not only enrich the credit management theory,but also provide a practical reference for the practical credit management of commercial banks.At present,due to the progress of the times and the further development of the social division of labor,light assets operation mode has become a new direction for more and more enterprises to transform,and light assets enterprises are playing a more and more important role in the social economy of our country.Naturally also became the commercial bank decisive service object.However,the main rating object of commercial banks in China is generally large and medium-sized heavy assets enterprises with sufficient collateral,and the development of credit risk assessment system for light assets enterprises is relatively lagged behind.It has become an urgent problem for commercial banks in our country to set up a feasible credit risk assessment model for light assets enterprises to adapt to the present situation of enterprise transformation and development.Based on the above background,this paper firstly analyzes the operation theory of light assets enterprises and the related theories of credit risk,so as to provide a good theoretical basis for the full text;Secondly,this paper analyzes the causes of credit risk of light assets enterprises from the aspects of generality and particularity,and probes into the contradiction between the current credit risk assessment method of commercial banks and the operation mode of light assets enterprises.It points out the main direction for the construction of the following credit risk assessment model;Then,the credit risk assessment model of light assets enterprises based on AHP-fuzzy comprehensive evaluation is constructed,using a balanced scorecard to establish the credit risk assessment index system of light assets enterprises from the four dimensions of finance,customer,internal process,learning and innovation,and then establish the credit risk assessment model by using analytic hierarchy process(AHP)to determine the index weight.Then,the evaluation model is applied and analyzed,and the representative light assets enterprise,Guoxin Health Company,is selected to test the validity and feasibility of the evaluation model.Finally,based on the analysis of the above problems and the effect of the model application,the advantages and disadvantages of the evaluation model are summarized,and the corresponding supporting measures are put forward.The construction of the risk assessment model has certain guiding significance for improving the credit risk assessment level of commercial banks.The basic point of view on credit risk assessment of light assets enterprises is: in view of the characteristics of management and credit risk of light assets enterprises,this paper constructs a credit risk assessment model suitable for light assets enterprises by using analytic hierarchy process(AHP)and fuzzy comprehensive evaluation method,and chooses representative light assets enterprises to carry on the application of the model.From the application effect of the model,the model can effectively evaluate the credit level of enterprises,and has strong maneuverability.In general,the establishment of this evaluation model enriches the credit risk assessment methods of commercial banks,and is helpful to the effective development of the credit evaluation of commercial banks with light assets enterprises.