Research On Evaluating Method Of Credit Loan Risk In Commercial Bank

With the constantly improvement of China's market economic systems,the continually improvement of exoteric breadth and depth in the domestic financial markets,competition between the bank is also intense day by day. How to heighten own risk management level, perfecting credit risk assessment mechanism, maximum guaranteeing the security,the fluidity and the benefit of the bank fund, enhancing own competitive ability finally, has already become the topic problem that various commercial bank faced together. This article embarks from the modern commercial bank's practice, using theory of modern bank risk management, systemic summarizing sensation course of the banking affecting the credit risk. With deepens unceasingly to the credit risk cognition degree in our country banking, Credit risk assessment method also is continually improved and enhanced, the corresponding credit management system is also consummated day by day.According to our country economic environment evolution, in this article we will divide our country banking industry credit system transformation into three stages: the planned economy time, planed the commodity economy time and the market economy time. By expounding bank credit management system and risk assessment method among the planned economy time, planed the commodity economy time and the market economy time, base on credit risk cognition evolution process, allude to the development course of loan the assessment method in our country. Elaborated quite advanced risk assessment method at present, namely qualitative quality synthetic evaluation method, and...