The Study On Commercial Bank About Credit Appraisal Of Loan Enterprise

To do an appraisal on credit condition of a loan enterprise before it's loan behavior is a vital process for a commercial bank to avoid ventures. Based on analysis and research on credit venture's appraisal method at home and abroad and combining with the practical circumstances of commercial banks in China, this paper indicates the deficiency of the method for classifying credit in commercial banks in China at present-the singleness of marking method, the inevitability of subjectivity, etc. Aiming at resolving these problems, this paper establishes an all-around system for appraising credit of a loan enterprise. It uses factor analysis method and dualistic relative comparative method to account the ability place of a loan enterprise in its industry, which can confirm the station in its industry better. By using time series model to forecast an enterprise's cash flow in the future, we can measure the repayment ability of an enterprise. By using Logit model to account the probability of default for a loan enterprise, we can estimate the possibility of its default. From the industry risk , conduct risk,management lisk and repayment willing of a loan enterprise ,this paper analyses non-financial factor of enterprise. Based on the calculation and analysis of loan enterprise's financial guidelines, non-financial factor and cash flow above, this paper also bring forward the marking method of appraising the credit ability synthetically. Finally, it demonstrates the factual application by virtual cases in this paper. And also, it indicates the further researching orientation.