Evaluation And Control Research On Credit Business Risk Of China's Commercial Banks

Under the circumstance of China's financial and economic development in the new century, virtuous operations of credit business of Commercial bank not only determine the sustainable development of banking industry, but also affect the keynote of long-term economic development. However, the frequency of commercial bank credit risk events in our country seems to hinder banking development. Therefore, credit risk evaluation and control is at present the urgent problem in academic and theoretical circle.Aimed at utilizing theoretical analysis and empirical research comprehensively, this research estimates credit risk scientifically and objectively based on system analysis, and further designs and exploits corresponding strategies systematically. First, this research clarifies its research methods and technical routes on the basis of systematic literature review of credit risk evaluation study; Second, this research systematically summarizes the evolution of credit risk theories through theoretical analysis and comparatively analyzes difference between qualitative research and quantitative in traditional risk evaluation theories; Third, on the foundation of empirical research supplemented with theoretical research, this research identifies credit risk factors and establishes credit risk evaluation indicator system, based on which, credit risk evaluation models are designed according to interval-intuitionistic fuzzy judgment matrix and their validities are verified through actual credit cases; At last, in accordance with the law of credit risk occurrence, the credit risk pre-control and control system are exploited respectively, forming the credit risk control strategies uniformly.To sum up, this research provides innovative research methods for the theoretic study of credit risk evaluation and control and offers instructive policy suggestions regarding to credit risk management practice.