Research On Enterprise Dynamic Credit Evaluation Method And Its Application Under The Perspective Of Commercial Banks

As the important component of financial system, commercial banks play very significant role in China's national economic system. Ensuring good operation of commercial Banks is indispensable to maintain the economic security and social stability in our country. With the speeding up of global integration, our country economy is gradually in line with international standards and the financial industry is booming. For commercial banks, on the one hand it's a great opportunity to get into the international market and actively expand international business; on the other hand it has to face more intense competitive environment and increasingly complex risks. Overall, commercial banks may face credit risk, market risk, operational risk, interest rate risk and so on and the credit risk is the main form of risk exposure. Nowadays, along with the macro economic downturn situation, commercial banks' asset quality is deteriorating and non-performing loan ratio is rising, which results in credit risk increasing. Therefore, building effective credit evaluation model and strengthening the credit risk management and control of commercial Banks is of great significance to our country economic stability.First of all, this paper has overviewed and summarized the previous research at home and abroad to understand the current research status of commercial bank credit risk management and credit evaluation method. Secondly, this article has been clear about the function of commercial Banks as well as its importance to the nati onal economy and the need to control risks, especially credit risk. Meantime, some typical credit evaluation methods are summarized. Thirdly, the article starts to define the credit evaluation index system and build a credit evaluation model--to measure static credit results by induction density operator and then measure dynamic credit evaluation using the two different models respectively(one is using risks coping capacity test degree gathering the data to gain dynamic credit result; another is a method to fuse three features including credit rewards or punishments depending on risk resistance capacity, optimal credit close degree and the ideal development trend correlation of credit to gain comprehensive dynamic credit result). Besides, choosing 14 companies(including 4 *ST companies) conducts an empirical analysis, verifying that the models are effective to a degree. Besides, in addition to the credit evaluation model, this article also takes related other credit risk factors into account, coming up with relatively complete countermeasure system to manage commercial bank credit risk.