The Research On The Credit Assessment Of Corporation Borrower Of Commercial Bank

Commercial bank is the special corporation that manages currencies. It is the largest loaner and debtor as the agency of credit and payment and the organization that creates credit tools. The bad management of commercial bank will lead to the confusion of economy. So it is important for commercial bank to prevent and control credit risk. Premier Zhu Rongji especially pointed out the importance of building the system of controlling credit risk in his government working report. It is also proved that this work is very important.The credit assessment of borrower is the major measure for commercial bank to control credit risk and manage risky asset. It can prevent risk effectively through assessing borrower credit exactly before loans put out. After providing loans, commercial bank can also control credit risk through adjusting credit policy based on the change of the borrower's credit assessment. These can help commercial bank to reduce credit risk, ensure loans quality and protect the development of whole finance market.However, theorists do not put much attention to the credit assessment because it is a practical basic work. Every assessment system does not compare with each other because banks build their own systems. These hinder the theory development and make commercial bank not fit the requirement of entering WTO. Furthermore, the existing credit assessment systems have a lot of limitation and the inaccurate results cau^e the increasing credit risk.In order to assess the borrower credit exactly and prevent the credit risk, this paper tries to build a uniform scientific credit assessment system of corporation borrower based on the research of domestic and international systems. In theory side, the new system emphasizes the basic quality and developing ability of the borrower though adopting the idea of balanced scorecard, which differs from the present system based on the past data. In method side, the new system distinguishes various borrowers by using different standard targets. So all kinds of clients can use it, which is more sample than the present. In targets setting, the new system takes solvency as basic starting point, which conquers the distortion caused by the present systems due to excessively based on the payoff of the borrower. In assessment measure, this paper uses blurred mathematics to the practical assessment of commercial bank and decreases the subjective and groundless conclusion.