Research On Credit Risk Evaluation Of Corporate Customers Of QR Commercial Bank

Faced with the influence of increasingly complex external development environment,as the most important part of the financial system,the ability of banks to withstand risks plays a vital role in the development of enterprises and the operation of the national economy.In addition,the economic development of the banking industry has changed from high-speed growth to steady growth.Moreover,the emergence of some other financial models also challenges the banks with risks and opportunities.Credit business is an important pillar on which the bank depends for development,and the credit products derived from it are also rich and varied,which inevitably brings some credit risks to the bank behind its development.Therefore,it is still a problem for banks to scientifically and effectively evaluate the credit of customers who wish to sign the credit contract,and to establish a credit risk evaluation system in line with their own to effectively prevent the occurrence of credit risks.Based on the above content,this study takes QR commercial bank as an example.Firstly,by combing the domestic and foreign literature on credit risk evaluation of commercial banks and some typical theoretical basis,this paper further clarifies the current situation and problems of credit risk evaluation of QR commercial bank that including qualitative and quantitative problems,and digs out the deep reasons behind these problems.Combined with the existing research,this paper puts forward the basic principles of improving the credit risk evaluation system of QR commercial bank;in addition,summarizes the selected indicators and the methods of screening indicators in the form of tables.On the basis of them,we first select the indicators,screen the indicators with the analytic hierarchy process,and give weight to them.It is concluded that the debt paying ability and business operation ability of the enterprise account for a large proportion in the credit risk evaluation indicators,and the ratio of cash flow to debt in the secondary indicators It has a great influence on the turnover rate of accounts receivable,quick ratio and so on.Finally,six first level indicators and 17 second level indicators are selected,and then the scoring standard is improved according to the previous scholars’ classification of credit rating and the enterprise performance evaluation standard value compiled by SASAC.Taking H Co,Ltd.as an example,the practicability and accuracy of the improved evaluation system are applied.Finally,according to the research conclusions,the risk prevention and control of QR firms and the implementation of the protection and improvement of the risk evaluation system are proposed.For QR commercial bank of industrial and Commercial Bank of China,improving the credit risk evaluation system can help it effectively identify risks in the early stage of business,and then avoid risks or take measures to reduce the losses caused by risks,so as to ensure the stable operation of business as far as possible.For the banking industry,this study enriches the material of credit risk evaluation,and provides some reference for other banks to build credit risk evaluation system.