Grey System Evaluate Research On Credit Risk Of Commercial Bank Of Shaanxi Province

Credit risk cause the survival of banks and stability of society.The uncertain factors cause credit risk,the principal and interest of bank may loss in which do some business for loan , bill discounted , guarantee, negotiation and credit. Loan risk is the core of credit business in bank's management. Commercial bank often assessed credit risk by human experience in china. According to the features of national commercial bank, which must establish a complete risk system that improve ability for risk management.First , this article introduced the status of state-owned commercial banks in western China under the overall environment of the western development strategy. Comparing with eastern and central, western region is still the China's underdeveloped area, there is a wide gap between them in the economic, and cultural areas ,and the commercial banks credit risks of the western region has been increasing significantly. The risk management of western region of state-owned bank credit attched by subjective factors rather serious, which maked up the bad loans of banks, and the survival and development is faced with severe challenges. Western commercial banks should establish a scientific risk management system to improve risk management level. The weight caused is key for risk system. The risk system of commercial banks have a lot of uncertainty factors that is complex and dynamic. Grey system is the most useful on which we have only an incomplete information. This article is based on grey system and AHP .The middle part of this articleestablished a grey risk model of bank risk indicators. The article used the grey risk model for an specific projects in commercial bank of shaanxi province.Achievement of this paper reveals that grey risk system is a useful risk assessment system for banks, provides science-reference for risk management and credit management.