Research On Loan Risk Controlling Of Business Banks In Our Country

These years , especially after our country entered WTO , the opening extent of finance market is becoming bigger and bigger , and the speed of reformation is higher and higher . banks , as a member of finance , its operation environment is becoming more and more international and complicated , the competition between the banks is very furious , how to increase the capability of their competition becomes a big question in the banks . While , as to the character of the general operation of business banks in our country , the income structure is still very single, the deposit&loan interest rate margin income is the main part. In order to keep the income steady , now in some banks there comes the risk of over fluidity one by one in our country , under this environment how to resolve the big sum of non-performing loan the banks have being burdened , and how to keep away the risk of new increasing loan , this problem has to be resolved right now.On the base of expatiating the banks which are facing the economy and politic environment, the kinds of loan , the general situation of loan risk and the character of banks' own system presently , first , this thesis has an anatomy of the deep-seated reason of the loan risk of business banks in our country . It is a good referenced method for discussing how to control the loan risk in the following chapter . Second , using for reference of good achievement the people have gotten before , it mainly discussed how to control the main loan risk , that is to say operation risk , market risk and credit risk. In the discussing of controlling the credit risk , use the excellent method of systems engineering , namely Analytical Hierarchy Process(AHP) , building a loan client evaluating system which amalgamates the qualitative and quantitative index to evaluate the loan client credit risk . It is an effective credit evaluating system for the business banks which have different risk fancy, and it give a help for the banks to have loan decision-making . At last, the thesis simply discussed how to amalgamate all kinds of loan risk , expecting to resolve the loan risk of business banks in our country at present , decreasing the probability of non-performing loan happening , increasing business banks' ability of competition.