Research On Selecting Of Commercial Bank Loan Project Based On BWM

Affected by the impact of China’s economic transformation and international market, the commercial banks are faced with more complex and changeable credit markets. How to choose the appropriate project to loan to ensure the survival and development of the bank becomes commercial banks faced significant challenges. And the work of project evaluation main stands in the perspective of the owner and the contractor to carry out, but lack of consideration of commercial banks’ needs and interests; and the traditional theory of credit mainly focus on enterprise information analysis, but lack of analysis of the project itself. Existing theoretical research is difficult to solve the problem of loan project selection evaluation, so this paper studies the problem, in order to improve the efficiency and accuracy of project selection.Firstly, it analyzes the current situation and existing problems of the current commercial bank loan project. Analysis of the project selection and evaluation of main content and basic process found the existence of related index repeat cross, lack of the under-construction of the project risk analysis index, ignore the difficult to key quantitative indicators, dependent on project feasibility analysis, value industry analysis and light project analysis, fewer relatively content, lack of professional knowledge problem and so on. In view of the above problems, this paper puts forward the principles and procedures of constructing the evaluation system of commercial bank loan project and the standard loan project evaluation.Then this paper construct the evaluation system of commercial bank loan project. Sum up the commercial bank loan project evaluation indicators, including the quality of enterprises, enterprise activity, enterprise management ability, development ability of the enterprise, enterprise debt paying ability, project loan risk six key indicators; and the use of best worst method(BWM) to quantify the index relative weight which is easier than hierarchical analysis hierarchy process (AHP) to use and to check the consistency. According to the evaluation index system and M bank loan project data identified the project baseline, as other project evaluation standard using BWM.And then analyzes the application of the commercial bank loan project evaluation system. The loan project appraisal principle includes principal bank as the project evaluation and selection of the starting point, and analysis, strengthen contrast with related standards and peer, project selection and evaluation taking into account the risk source analysis. At the same time, standardize the evaluation process, join the expert evaluation and audit procedures. And in the contrast of the three projects, the evaluation system was evaluated, and the results of the project selection decision were obtained.To construct the evaluation index system and related standards, the process of proposed to improve the commercial bank’s loan project evaluation process has a direct practical significance; at the same time, standing in the perspective of the commercial banks, the project evaluation methods can enrich the existing project evaluation theory and credit theory, has certain theory value.