Enterprise's Credit Risk Assessment Methodology And Demonstrating Analysis Based On Financial Information

Nowadays, there is lack of effective credit risk assessment methodology when applicants are applying for credits, this leads to two situations in all kinds of commercial banks: On one hand, commercial banks'bad debts keep on a high level because enterprises are lack of credit, influencing the business profits and competing ability of these banks. On the other hand, due to incomplete credit rating system of commercial banks and the rigorous criteria for loan applications, it is difficult for many small and medium-size enterprises and privately owned enterprises to get financing. And so we aim to establish a simple, effective and utility credit rating system by this thesis. By reviewing present credit risk assessment methodology which is oriented from the West developed coumtry and analyzing the present credit rating system of commercial banks in our country, it is found that there are various limitations in practice. Comparatively, present credit rating system that is used in commercial banks is feasible under our country's present...