Research On Our Country Commercial Banks' Credit Risk Evaluation To Manufacturing Enterprises

The credit risk is the most important risk which our country Commercial banks face. The credit risk management is most essential and one of most challenging domains in the process of the Commercial banks risk management. At present, in our country, because the capital market and other financial investment and the fund raising market are imperfect, loan that enterprises need comes mainly from Commercial banks. Providing one scientific recognition methods to the loan enterprise's credit status to avoid the bad assets regeneration is direct relation to bank management's success or failure.This article points out that our country Commercial banks' evaluation methods not fully consider non-finance indexes based on the analysis to domestic and foreign credit risks management techniques and models and our country Commercial banks management to the credit risk situation and the particularity. Find some evaluation tool to suit our country Commercial banks to the borrower credit risks management's actual situation.This article attempts an index system based on one reasonable finance and non-finance unifying. Choosees evaluating indexes by the way of principal components analytic method, overcoming the target selection subjectivity. Introduce the fuzzy degree of membership to transform the quantitative target as the qualitative grades. Use the evidence theory to evaluate the non-finance credit risks. Calculates index weight by AHP. Sort according to enterprise synthesis index, which provides the scientic basis for Commercial banks' loan decision-making.