Assessment Model Research On Commercial Bank Credit Risk Of Corporate Credit Business

Corporate credit business is the pillar of the commercial bank business, occupythe most important position of all the business in the bank, at the same time, its risk isalso an important part of the bank’s overall risk, plays a decisive role on bank risk. Inrecent years, with the impact of the financial crisis, the commercial bank released alarge number of loans to stimulate the economy, while effectively ease the recession,but inevitably left many hidden dangers. And as the financial market reform furtherdeepening, private capital into the banking industry and the marketization of interestrate makes the competition in banking more and more fierce. How to make efficientuse of funds, and how to find a more reasonable assessment model of risk have greatinfluence on raising competitiveness of bank, at the same time be the key tosustainable development of bank.In essence, credit risk comes from the credit process of commercial Banks, dueto the influence of various uncertain factors, cause not timely recovery of principaland interest, brings the possibility of a capital loss to bank, its core is to ensureliquidity needs of the enterprise funds. So analysis from enterprise liquidity needs andincome source, establishes a set of evaluation index of enterprise credit risk, to graspthe enterprise overall financial situation, accurately estimate the enterprise credit riskhas very important significance.This article obtains from the analysis of the root causes of credit risk, andanalyzes the current situation and problems of credit risk assessment, and to analysethe causes of these problems. In view of the causes of these problems, put forwardfrom the view of enterprise capital source can meet the demand of insolvency, toestablish a credit risk assessment model, used for evaluation of enterprise credit risk.On this basis, this article analysis and identify the liquidity needs and source ofrepayment of the enterprise under the precondition of ensuring the sustained steadydevelopment of the enterprise and bank, think the enterprise in the short term from theneed to repay the debt is a minimum capital requirements, and the effective source tomeet the demand of money, is the enterprise net liquid assets, and the best source ofrepayment is not overdue monetary assets. On this basis, established a set based onenterprise capital demand guarantee ability of credit risk assessment model, and selecttwo enterprise which has outstanding problems in recent years, to test the model.Wishing that the application of the model, can improve the bank credit riskassessment method, and reduce the bank credit risk.