Commercial Bank Credit Risk Management Based On The Study Of Financial Pre-Warning Model

Following the WTO of China’s financial industry protection period end, foreign bank enters China financial markets in succession, between with the foreign banks, the current domestic commercial banks’management level in the credit risk have a huge gap in this area, and the lack of domestic research achievements is also quite how to promote domestic commercial bank credit risk management level, set up a set of effective credit risk early warning system, in the face of this new challenges and opportunities, how to make domestic commercial banks get better development is what this paper tries to solve.For commercial banks, the assets, liabilities business is the basic. Credit business as the bank’s main asset business, credit put direction directly related to bank asset quality which is good or bad could directly affect the commercial banks’ profitability, once the supply of credit enterprise is happening financial crisis, means that commercial banks capital which on credit area will probably become bad loans, and the commercial banks may be facing the risk of assets loss. Therefore, timely understanding and update the supply of credit enterprise financial situation is very necessary. At the moment, the most concise intuitive way is, from the coiporate financial statements of the enterprise’s financial statements by studying some important financial indicators to find enterprise management possible existence of potential risks to accept the supply of credit, and the enterprise in the use of fund monitor, the link or take other measures to promote the enterprise financial crisis may circumvent happen so as to ensure the safety of the bank credit funds.In this paper, how to explore the cause of the commercial bank credit risk, financial risk pre-warning system mechanism and model analysis are on the basis of China’s transportation parts plate listed companies as the research objection. By using statistical knowledge, multiple regression model and AHP method to construct our country commercial bank credit risk pre-warning model and combining with the authority broker-dealer report, this model can effectively and simply provide suggestion conclusion for our country commercial bank credit risk control. For commercial banks, establishing and perfecting the credit risk pre-warning model can effectively guarantee the safety, improve credit funds of the commercial bank profitability. Therefore, we hope that this paper research conclusion of commercial bank credit risk to the financial pre-warning model for popularizing play a part in some extent.