Research On Risk Assessment Model Construction Of Factoring Business Of Banka

With the continuous development of China's economy,the domestic demand for bank factoring business is increasing day by day,factoring business can significantly reduce the cost of enterprise financing and financing threshold,which has become one of the preferred ways for many commercial banks and enterprises at present.However,due to the short starting time of factoring business in China and the imperfection of the relevant risk assessment mechanism,the risk of factoring business in China's commercial banks is frequently occurring,resulting in a large loss to the banks.Taking Bank A as an example and combining with the relevant theoretical basis,this paper focuses on the risk assessment model of the bank's factoring business,in order to provide some reference and enlightenment for the future development of the bank,in order to promote the completion of the bank better.Good practice of factoring business risk management system.Firstly,this paper introduces the research background,significance,content,methods and research achievements at home and abroad,which establishes the research premise of the text.Secondly,it introduces the connotation,characteristics,common risks,the causes of risk and the information asymmetry,bank risk management theory,factoring business risk management theory and other theoretical basis.Finally,this paper analyzes the current development of factoring business in Bank A,the process mechanism of factoring risk assessment and the existing problems,and constructs the risk assessment model of Bank A on the basis of AHP Analytic hierarchy process(AHP).And select the actual case of A bank to carry on the risk assessment verification,and finally carry on the risk assessment verification.Based on the results of the model,a reasonable and reasonable result of the evaluation is given.At the same time,the model has a wide range of applications in practice:one is to assess the degree of factoring risk,Bank A established the risk scoring standard and risk grade standard,according to the model can accurately determine the risk degree of factoring business.And the risk degree of each risk factor,and then make reasonable decision-making and risk prevention and control mechanism;The second is that the model can further improve the precision and accuracy of the risk identification and evaluation of Bank A factoring business.At present,the risk prevention and control of the bank's factoring business is mainly based on qualitative analysis and judgment of prevention and control.Lack of a better quantitative assessment model tool for risk identification and assessment,which can improve the wind The precision of risk identification and evaluation results can further improve the risk assessment mechanism of the bank in factoring business;...