The Green Loan Risk Evaluation Of S City Agriculture Bank

From the perspective of credit risk management, based on international research, credit risk evaluation system for green has been systematically studied, the green loans of major domestic and international risk assessment methods and system of a systematic analysis found that the current credit risk assessment of green loans Methods The main problem is that, first, measure the risk analysis methods rely on some qualitative; Second, credit analysis and evaluation of technology is still in the traditional ratio analysis stage, the commercial banks to derivatives, off-balance sheet assets, credit risk and credit concentration risk assessment is still blank, not set in one of the dynamic variety of techniques to quantify the credit risk management techniques.Based on the above issues and improvement ideas, this paper, the green loans of commercial banks in credit risk assessment system was improved of reconstruction. Learn from the experience of developed countries, the green loans, the paper that the bank's credit evaluation should include both quantitative indicators and qualitative indicators of the majority. This paper analyzes the principle of selecting the quantitative indicators and provides some possible quantitative indicators, the last in this modified system, based on the S Agricultural Bank as an example a case study.This study compared the risk rating system and now talk about banks, improve the risk after the three main functions:the first is facing in the credit decision-making more enterprises to apply for loans, according to the risk index can be made more comprehensive comparative analysis and to determine the size of the risk level; the second in the credit management process can be on the banks to make loans to total assets to determine the degree of risk, and the company is closely tracking and monitoring of loans to banks with high risk can take different measures to control risk and avoid more large extent of the damage; third the risk evaluation method can be applied to a variety of industries for the bank's loan portfolio management of reference and comparison, to avoid the risk of a sudden the industry to bring the bank to pay crisis.