Citic Dalian Branch Of The Loan Risk Classification Index System

With steps of reforms and open in our country speeding up and the continuous deepening of financial reforms, setting up a complete set of credit assets risks classifying system which is scientific, and adaptable is becoming an urgency in preventing and eliminating financial risks to promote the healthy development of economy. This thesis is divided into six sections, the author gives a complete and systematic discussion on the theoretic basis, methods and formalities of the five-class system of credit assets . he makes a concrete analysis of the characteristics and frauds in the current operation of credit assets five-class system in one commercial bank, and elucidates the importance of standardization, effectiveness, and manageability of the credit assets five-class system.In the thesis, the author points out three major problems existing in the indexes of the current credit assets five-class system, which is the excess of qualitative analysis over quantitative analysis; the overuse of manpower and material resources as a result of the complicated classing process, too many uncertain factors and low efficiency; While the author discusses the harms caused by the above problems in practical works. The setting-up of this system can effectively will resolve the difficult problems in the practical operation and realize the combination of quantitative ness and comprehensiveness.The main innovations and characteristics lie in : a. generalizing the principles of setting up credit assets classifying index system, viz. defining the loan category as self-support loan, giving priority to term management in the loan classifying management, emphasizing the quantitative standards primary while qualitative standards secondary in the loan classifying, paying special attention on the main risk characteristics which can present the conditions of enterprises, taking into consideration the fact that risk characteristics is interactive to each other and correctly handling the relations of primary and secondary characteristics, making the classifying standards easy to adopt and operate; b. putting forward six judging indexes which can reflect the credit assets risk characteristics; c. bringing forward the formula to compute the quantitative marks on the base of setting up comprehensive index system able to reflect the interactive influence of risk characteristics, and in the light of practical experiences; d. according to the classifying practice of CITIC, summarizing the matrix of five-class based on the term and owing interests. The credit assets risks classifying index system introduced in this thesis is easy to adopt and operate, thus it can improve the efficiency of bank easily.