A Study On The Commercial Bank Credit Decision Quantification

Along with the financial system reform of our country step accelerate with the raising of financial trade open level, domestic bank trade is faced with to participate in the stern challenge of international competition. How to promote decision level of management, so as when competitive neutrality do not defeat land, become the domestic hot problem that commercial bank pays attention to.Through studying discovery for the domestic commercial investigation of bank credit business management condition: Though, each domestic commercial bank of our country has strengthened credit management ability generally , but has fragile ability because of credit decision quantification, make credit make policy to quantify management deserved function in certain level on have gotten to restrain.It is standard process and quantification decision that the author thinks that solve the reform train of thought of insufficient traditional credit decision way: In the aspect of standard process, the author has put forward working specific content, for example: Opportunity is evaluated , the customer credit analysis, reimbursement ability analysis and loan and analysis of early stage pack etc.. In the aspect of credit decision quantification, the author tries , is sexual to have founded credit decision quantification model. Say specificly, the author has suggested that the appraisement of customer credit and credit business is defined;Have established the principle that determines commercial bank credit appraisement index;Quantify index system reasonability to analyse;Have designed effective analysis tool. And on this foundation, with the way of case, it is visual to have compared the difference of traditional credit decision and quantification decision.The credit decision quantification method discussed by this paper effective make credit make policy course quantification, standardization and unification melt, so, have reached the promotion purpose of commercial bank credit decision level of management.