Research On The Credit Risk Management Evaluation System Based On The Warning Theory

Banking plays an important role in the finance,and the credit risk management isimportant for the commercial bank during the financial development．It has achievedsome success in commercial bank credit risk management in china,but,compared toother countries,there are still some gaps．One of the main reasons is the lack of asystematic,scientific,generally accepted evaluation system for the commercial bankcredit risk management．Therefore,it is significant to research the credit riskmanagement evaluation system．Based on the research of credit risk management and risk warning theory,thisstudy first introduces the meaning of the credit risk management and analyzes thepresent credit risk management situation,then builds the credit risk managementevaluation system containing the credit risk management system,credit riskassessment,credit risk control and status of the credit risk on the warning and thecredit risk management theory．The study first chooses 3 1 indexes from a great deal of the related researches asthe initial index system,then selects 20 indexes from the initial index system after theopen questionnaires and statistic analysis．Each index is weighed by the improvedfuzzy analytic hierarchy process(IFAHP),and the comprehensive evaluation model isestablished．Finally the study chooses one of the commercial banks in ZhejiangQuzhou to evaluate its credit risk management by the comprehensive evaluationmodel．...