Research On Credit Decision-making Of Commercial Banks In China

With the continuous reform and innovation of the economy and the changes in the shareholding system of the banks,China's commercial banks are no longer the past business model: most of the risks can be passed on to the government,but become their own commitment to credit decisions brought about by the good and bad.The development of the enterprise is inseparable from the bank's financial support,and the funds obtained from the credit project have become an important part of the chain of enterprise funds.The increase of the credit project has brought the risk of the credit decision-making process.Enterprises are dependent on the credit issuance of commercial banks,but why is the guarantee of credit projects are particularly favored,why small and medium enterprises have been in a weak side,why small and medium enterprises that financing difficulties,financing,why commercial banks difficult to pick out high-quality customers,these are Is the problem to be explored.How can China's commercial banks improve their competitiveness,how to make the most favorable credit decisions,how to minimize the occurrence of non-performing loans,and how to make further optimization of credit decision-making.This is the point of the article's research.This paper analyzes the current situation and shortcomings of the credit decision-making process and the influencing factors of commercial banks in our country,and analyzes the current situation and shortcomings of the current commercial bank 's credit decision.There are many factors influencing the credit decision-making.This paper mainly selects the "three tables" in the financial information: the balance sheet,the income statement and the cash flow statement;and the national policy,the market environment and the competitive strength of the non-financial information And technical innovation ability,credit and guarantee status,business management and business conditions to conduct a specific discussion.In the discourse of credit decision theory,this paper mainly discusses the theory of credit rationing,reverse selection and moral hazard.The credit decision-making of China's commercial banks is mainly classified into the following four categories: competition from the industry and the impact of financial technology;credit decision-making preference "big business",discrimination "small and medium enterprises";preferred forms of loans in the form of loans;The Status Quo of "Three Changes" in Internal Decision.As small and medium enterprises and banks in the credit decision-making game which is weak,coupled with the state in actively advocating banks to small and medium enterprisesloans to promote the balanced development of the economy.So the article case analysis is selected is a representative of the SME credit project.Case analysis mainly from the three aspects of credit: before the loan,loan,loan after the feasibility of this project were analyzed.Finally,combined with the case analysis and the overall situation from the society,the corresponding shortcomings of the corresponding optimization design.This paper analyzes the credit decision of commercial banks in China,analyzes the process,influencing factors,current situation and shortcomings of the decision-making,and finally puts forward the optimal design scheme.Optimization design is the first from the commercial banks to proceed,to improve the service object,security,business type,make it become differentiated,characteristic;and then credit decision-making process optimization,mainly two aspects: the design for small and medium enterprises Product projects and simplified to speed up the approval process;Finally,the Bank Internal Approval Committee's optimization recommendations,from the Commission to enter the threshold,the system of independent development and performance evaluation system evaluation of three aspects of the views and opinions.This research has certain guiding significance to the bank and the enterprise,not only reduces the risk of commercial bank credit decision,but also brings new ideas for the enterprise credit financing.