Bank Of Communications Suzhou Branch Post-loan Credit Risk Early Warning Research

Post-loan credit risk is the main risk that commercial banks are facing in our country. It appears in each link of the credit business. Because of its large degree of risk, complex and diverse causes, long cycle, post-loan credit risk has become a weak link of risk. In recent years, commercial banks’ credit scale is expanding, but the quality of credit assets not increase. Commercial Banks and financial investment institutions has received huge challenge to credit risk. Recently, Bank of Communications Suzhou branch due to improper post-loan credit risk management result in a large number of bad debt losses. This restricted the expansion of business scale and increase of business benefit. Establish and perfect a set of post-loan credit risk early warning system, effective prevent post-loan credit risk, to ensure the safety of credit funds, will help improve the level of risk management of Bank of Communications in Suzhou branch, promote the competitiveness of the industry. It has both theoretical significance and practical significance to promote risk management of Bank of Communications.This article start from the causes of post-loan credit risk, by learning the advanced experience and achievements from experts at home and abroad for reference, build Bank of Communications Suzhou branch post-loan credit risk early warning index system. Through the analysis of the index weights, screening, given a series of work, establish Bank of Communications Suzhou branch post-loan credit risk fuzzy comprehensive evaluation model, and carry on empirical research. Through the analysis of the empirical results and expected to prove its applicability and accuracy. Finally, evaluate and prospect the research for the Bank of Communications Suzhou branch post-loan credit risk early warning research.