Establish The System To Evaluate The Customers Of Commercial Banks

Commercial banks aim to meet the needs of international financial standards in the assessment of enterprise, and therefore enhance its competitiveness.In China, the institutions for credit assessment of enterprise include external credit appraisal companies and internal functional department in commercial banks.In the early of 1980s, commercial bank gradually set up an evaluation system and designed some assessment indexes based on loan risk degree pursuant to General Rules on Loan. However, along with the development of market economy in China, the traditional methods couldn' t satisfy the requirements of the increasing uncertainty of modern business operation management and transformation of commercial bank' s operation mode.The thesis reviews, classifies and summarizes the current appraisal methods, and the classification is as follows:1. Financial Assessment Methods2. Non-financial Assessment methods3. Comprehensive Assessment methods.However, none of the current methods is a comprehensive assessment of enterprise. So , the thesis highlights the overall angle and insists on two basic standpoints.1. Strengthening the construction of commercial bank's system of credit assessment on its customer during the establishment of modern bank system2. the assessment system should optimize the allocation of loan increment and reasonable flow of loan in stock, for the purpose of reduction of commercial banks'non-performing loans in the future.The most important thing is that the thesis establishes Comprehensive Grading Model (hereinafter referred to as CGM), which includes nine indexes about the enterprise's overall status quo, i.e., cashflow, financial position, customers relationship, human resources, products and market, macroeconomic environment, organizational structures, business process . What's more, we further break down each factor and give each item respective weighting coefficient for assessment, which improves the assessment concurrently in horizontal and vertical aspects. At the same time, because we consider both the factors from market and enterprise's internal documents, the assessment will be more accurate and comprehensive.The CGM is a practical model, and it could be used to assess the target enterprise by commercial bank.In the thesis, we test the model by using a company' s data and provide the comprehensive assessment on the company.One point that deserves mentioning is that CGM has 55 indexes, and some of the indexes need further research and amendment in the practice. In order to complete commercial bank' s assessment system on customers, we hope that we could get more suggestion for CGM.