Research On Improved Financial Evaluation For C Commercial Bank’s Giving Credit Based On Credit Risk Control

The credit risk control for bank’s credit enterprises is the core of bank’s credit riskcontrol. The quality of bank’s credit assets determines bank’s operating efficiency and thecapability of risk management affect bank’s survival and development. Therefore, thefinancial evaluation for commercial bank’s giving credit based on risk control isincreasingly important.As a national joint-stock commercial bank, C commercial bank has long beencommitted to control credit risk by the financial evaluation of credit enterprises, butbecause there are some problems in giving credit such as the purposes of risk control isnot strong, the important risk control point is not clear, the financial evaluation indexesare Incomplete, the financial evaluation process is not standardized, and thecomprehensive financial evaluation is lack, the overall quality of credit operationsdevelopment and risk control is poor, and the efficiency is not high.Hence, In this paper, on the basis of reviewing and summarizing of the research athome and abroad, and through using the theory of credit risk control, corporate financialevaluation and analytic hierarchy process, the improvement measure of financialevaluation for giving credit of C commercial bank was researched and proposed,including standardizing the institution of credit risk control, optimizing the process of thefinancial evaluation for credit business, perfecting financial information censorship,reconstructing the index system of financial evaluation, establishing the comprehensivefinancial evaluation mechanisms and improving the comprehensive ability of creditclerks. Finally, combining the actual case of the financial evaluation for T cable companythat applies for credit line from C commercial bank, the comprehensive financialevaluation method in credit decision was analyzed.The financial evaluation method based on credit risk control proposed in this paperfor giving credit enriches the risk control measures of C commercial bank’s giving credit,and has good maneuverability and practical value.