Commercial Bank's Customer Credit Risk Evaluation System Analysis And Design

As the development of China's banking business, some traditional credit risk assessment approach has been difficult to adapt to economic and financial developments in the situation is not conducive to China's commercial banks to participate in future international competition, especially with China's accession to the World Trade Organization, in the face With advanced technological means and mature management experience in competition with foreign banks, this situation will become more and more serious. Therefore, altought the information age to adapt to the new wave of technology revolution in order to promote management innovation, technological innovation has become the core of China's banking sector to improve the competitiveness of credit operations inevitable choice.The main purpose of this paper is based on the actual situation of Chinese enterprises, research, designed for corporate customers of the credit risk assessment model, the use of risk models to quantify the risks of multi-dimensional quantitative analysis, forming a covering the entire credit business operation of the company's consumer credit risk assessment system to achieve effective control of credit risk, reduce the proportion of non-performing loans and enhance competitiveness of the banks.The system includes a rating of subsystems, credit subsystem, project loan risk assessment and post-loan management subsystem subsystem four parts, each part of the credit risk of commercial banks are exposed to a critical link in the above link can be effectively brought under control to reduce credit risk, improve the quality of commercial bank credit assets.Rating subsystem is mainly used quantitative evaluation and qualitative evaluation of a combination of approaches, to corporate customers operating in a certain period of solvency and willingness to carry out analysis, resulting eventually in credit rating. Quantitative evaluation of efficacy coefficient method used, qualitative evaluation of an integrated analysis to determine method.Credit subsystem mainly in the customer's credit rating to obtain after the qualitative analysis and quantitative measurement method of combining, through the model calculated commercial bank clients can withstand the maximum exposure limits, and make rigid control of the customer or portfolio risk The advance prevention and control the organic matter together.Risk assessment subsystem loans are mainly for project loans in the assessment of the risks that may arise, with expert scoring and solvency measure a combination of approaches to determine the loan amount, term, interest rate and risk prevention measures.Post-loan management subsystem is designed to allow bank personnel through the system for all credit operations of door-to-transaction-tracking and monitoring day to day, the system automatically generates a "credit warning list" transaction-existence of early warning information listed in the enterprise and credit details, reminding relevant personnel for processing.Commercial Bank of consumer credit risk assessment system integrated into the design idea which has many characteristics of credit management and innovative content, and also learn and absorb the advanced credit management ideas and management methods, forward-looking set of business, application compatibility, to maintain simplicity in one study the implementation of all business operations of the electronic credit canceled manually, all business transactions through the system implementation, risk assessment efficiency improved significantly.