Research Of Credit Risk Evaluation System Of DY Branch Of China Construction Bank

It is well known that with the continuous development of my country’s social economy and the increasing downward pressure on the economy,the development of Chinese financial industry has gradually entered a "freezing period." Especially since the beginning of 2020,due to the impact of the COVID-19 epidemic,companies have been affected by the suspension of production.Companies’ income and repayment ability have experienced a serious decline.At the same time,the profitability,credit quality,and development scale of the financial industry are facing severe challenges.At present,most commercial banks in China pay more attention to how to deal with and resolve the overdue and deficiencies that have been exposed in credit risk control,but lack sufficient attention to reviewing the qualifications of borrowers,and lack of unified human judgment standards for pre-lending risk prevention and control measures.The author believes that preventing credit risks mainly lies in solving the current disadvantages of financial institutions’ pre-lending risk prevention and control measures.Therefore,this article takes DY Construction Bank’s credit risk evaluation system as the research object,and analyzes the current status of DY Construction Bank’s credit management.This paper will aim at the problem that pre-lending credit risk prevention measures rely on systematic judgments.The author will use financial management,accounting and other theoretical knowledge of financial indicators and non-financial factors to artificially identify and judge the financial status of the relevant borrower.The credit risk model is based on the existing risk early warning theoretical model.It follows the corporate macro-measurability,the ease of obtaining financial indicators,and the comparability of non-financial factors.This article will evaluate the financial performance of the company from two aspects of short-term loans and long-term loans,select different financial indicators according to the nature of different corporate loans,and draw preliminary evaluation conclusions,then combines the non-financial factors to score the enterprise,and summarizes the scores to obtain the final risk evaluation result.Different results correspond to the credit risk warning levels of different borrowing companies,which helps credit managers to take different credit response measures according to different warning intervals.Finally,this article applies the credit risk evaluation model to real-life examples,compares the actual credit results with the credit model risk evaluation results to demonstrate the effectiveness of the credit risk evaluation model,and constructs a practical preliminary credit risk evaluation model.Thereby,to achieve simple manual elimination of "risk" customers,and strengthen credit management personnel to control the credit risks of borrowing companies.