Bank Loan Risk Management In The Financial Early Warning System To Build

The quality of the assets is the foundations that the bank set up the conduct. It is the main problem of the commercial bank at present to establish the system of perfecting the risk of the loan. According to the agreement with the WTO, the Chinese banking will not be overall opening up to the outside world until 2006. The domestic bank will face fierce horizontal competition. Compared with foreign banks, the assets quality of bank credit is low and the risk is too high. In order to catch up with the foreign bank to start"on the same starting line"as quickly as possible, the banks in our country must strengthen their risk management. This is the realistic and main reason for the author to choose the subject of"risk management of the loan"to research.There is a main problem in the current loan risk management of commercial banks, namely they only pay attention to the appraisal on creditor's credit before the loan, but when one entering enterprises attention granting the loan is not enough, which can not carry on the function that predicts the risk of loan enterprise. And the rise of the financial early-warning theory of in recent years offers solutions to the commercial bank. So, this thesis intends to apply financial early-warning model of crisis into the risk management of the bank loan which is extremely and realistically meaningful on the application of the early-warning theory of financial affairs and the practice of enhancement of the management of loan risk.In the risk management of commercial bank loans,people have not put enough attention to the early-warning of the loan enterprises yet. So, this thesis uses statistical method to structure the method of long-term loan and short-term loan separately. In order to increase the accuracy of the early-warning result, introduce nonfinancial factor and predict index to revise the early-warning result. I hope through the research of this...