The Research On Enterprise Customer Credit Risk Evaluation And Control Of A Branch Of Agricultural Bank Of China

In the past two years,the non-performing loan ratio of China's bank has continued to rising,A branch of ABC is not the exception.The non-performing loan ratio of A branch approaching 1.7%,the credit risk problem is becoming more and more prominent.Under this background,starting with the actual situation of A branch,this paper studies the credit risk evaluation and control problems of the enterprise customers,in order to improve the customer credit risk management and control system of A branch,and to prevent and resolve the potential credit risk.First,investigate and understand the status of the A branch customer credit risk evaluation and control,including the general situation,the company's business branch,customer features and customer credit risk assessment of credit risk control methods and measures,From present situation I found that small and medium-sized enterprise credit risk evaluation method is not reasonable and has not dynamic evaluation in the present.At the same time,it also found that the credit risk control system is not perfect,such as the lack of talent and control in the credit process.Then it puts emphasis on the problem of credit risk assessment and puts forward the method of credit risk assessment of small and medium enterprises based on supply chain.The method constructs the evaluation index system based supply chain,use fuzzy comprehensive evaluation method to evaluate value,and selects the specific customer of A branch to calculate.Compared the new method with the traditional,the results shows that new method can evaluate credit risk of A branch small and medium-sized enterprise on supply chain financial services more effectively.At last,aiming at the other problems in risk control,the paper put forward the suggestion to solve that problems,such as constructing risk culture,optimization human resources,perfecting the risk control system,diversifying means of risk control and so on,to comprehensively improve the credit risk assessment and control system,and promote the healthy development of credit business.