| With the rapid socialization of our country,the financial derivatives of commercial banks are becoming more and more abundant,and at the same time,they are facing more and more operational risks.In order to balance the safety and liquidity,banks are paying more and more attention to the enterprises with certain government background and social influence.Among them,public hospitals are the typical representatives of this group: On the one hand,under the current economic background of our country,public hospitals have social commonweal and influence;both the state-owned economy as the backing,and the steady access to funds from the finance,at the same time,it needs foreign business to meet its own development needs.On the other hand,as a public institution with Financial Balance Allocation,the subsidy funds obtained by public hospitals can not meet their development needs,while as a non-enterprise,they have to generate income to a certain extent according to the mode of operation of the enterprise,but still subject to government oversight.Therefore,commercial banks should not only attach importance to the huge capital volume of public hospitals,social influence and the government background behind them,but also should,under the existing system conditions,through to this kind of customer management particularity,establishes a set of specialized,the scientific credit evaluation system.Based on the research methods of qualitative and quantitative analysis,analytic hierarchy process and information asymmetry theory,credit risk management theory and financing credit risk theory,this paper first introduces the social background,environmental background and economic background of this paper.At the same time,the purpose of the research is put forward.Secondly,the related concepts and theories involved in this paper are expounded and analyzed,such as public hospitals,the concept of credit evaluation and the theory of information asymmetry.Thirdly,this paper analyzes the general practice and existing problems of J bank in hospital credit evaluation,analyzes its practice in credit evaluation on the basis of brief introduction to J bank,and then analyzes the existing problems,such as the poor pertinence of the index system,the lack of necessary cash flow analysis,and the insufficient comprehensive and reasonable setting of the index.The fourth part is the construction of J bank hospital credit evaluation scheme,which is the core part.On the basis of the above analysis,the construction principle,credit evaluation method and index selection of hospital credit evaluation index system are,and then constructs the J bank hospital credit evaluation model.Finally,in order to verify the scientific nature and rationality of the model,P county people’s hospital is selected as the object,the credit evaluation of the hospital is carried out,and the data of other credit ratingagencies are introduced for comparative analysis.The model is feasible. |
