The Research On Loan Credit Risks Estimating Methods & Examining & Approving System Of State-owned Commercial Bank

Credit assets quality is issue that has nagged state-owned commercial bank of our country for quite a long time restricting to the reformation & operation & development of the state-owned commercial bank. To realize the sustainable development of the state-owned commercial bank has become the key chip to meet the challenges from home & abroad commercial bank by improving risks controlling level so as to improve assets quality. By recollecting the abroad credit risks estimating theories and the methods research, comparing to the estimating methods of credit risks of state-owned commercial bank & credit examining & approving system, the paper puts up the choices of credit risks estimating methods & reforming advice to credit examining & approving system of state-owned commercial bank.Research techniques of the paper includes: Literature research, carried on the usable analysis to the credit risk theories & research results. Example induction, find out the disparities between home & abroad commercial bank on credit examining & approving system & credit risk management by comparison. Interview, drew out the problem on loan credit risk management of the state-owned commercial bank by pointed interviewing with senior staffs that examine and approve credit. Question methodology, find out the insufficiency and the flaw of state-owned commercial bank on credit examining & approving system by reviewing and recollecting domestic & abroad theories & data, attempted to analyze the intrinsic reason, put up the advice to credit risks estimating methods & credit examining & approving system of state-owned commercial bank.By reviewing of the domestic & abroad credit risks estimating theories and researching of the methods, comparing to those of state-owned commercial bank, the author fined that state-owned commercial bank's credit risk management is just started. They mainly rely on tradition expert system to measure the credit risk, Lots of advanced experiences & technical methods on construction of abroad commercial bank credit risk estimating model is worth of profiting from.Chinese state-owned commercial bank falls behind the abroad commercial bank on using of credit risks estimating methods and the construction of credit examining & approving system. First, on credit risk measure methods, although customer credit rating, credit awarding & loan classification of risk system were being used in Chinese state-owned commercial bank, qualitative analysis is still the most important method, the credit risk model has not been obtained to utilization. The mainly problems are: In the admittance of customers, the using of unified evaluation criteria reduces the scope of goal market and waste the service resources. In the judge of loan amount, it's lacks of theory basis that customer's net assets is to be look on as the main variable in estimating. In the price decision of loan, a unified income cost evaluating criteria is deficient, unified interest rate standard of the People's Bank is carried out mechanically. Secondly, on approving system, the examining & approving system of state-owned commercial bank is formed by the organization construction, jurisdiction is rewarded to people who examine and approve the loan according to the rank. Which cause that the examining & approving is too long; the quantity of people who make decision is too large; the rank of administrative official is to be looked on as that of loan approving expert.To the existence problem of examining & approving system, the author proposed the following reformed suggestions: First, displace the organize authorization by individual qualify authorization. Second, transform the examining & approving flow. Third, adjust & conform the credit rating, credit awarding & loan approving flow.To the problem of credit risk model has not been obtained the utilization, the paper puts up the choices of credit risks estimating methods of state-owned commercial bank, It's the opinion that objectively & effectively appraising the cost at risk should become the main basis of estimating methods of credit risks & credit examining & approving system construction.