Research On Optimization Of Customer Credit Evaluation System

Bad loans are an important factor leading to the decline of bank asset quality and the increase of bank financial risks.However,in the current bank credit business,when it comes to the loan management of loan enterprises,the analysis on the credit capacity of enterprises is still relatively general,and many of the analyses are too formulaic and formalized,which is one of the reasons for the high non-performing loan ratio.In order to support the development of small and micro enterprises,many banks start to handle the business of the Non-repayment and renewal of loans from 2018,and carry out the investigation and review of loans in accordance with the requirements of new loans.This puts forward new requirements for the continuous credit evaluation and monitoring of enterprise customers.Therefore,it is necessary for Banks to optimize the credit evaluation system.The D bank customer credit evaluation system provides the basis for the development,project review,review and loan decision.In principle,The D bank will not provide credit services to customers with lower ratings.However,the development of the business of the Non-repayment and renewal of loans undoubtedly puts forward new requirements for the credit decision-making work of The D bank.there are some problems in the enterprise credit system,such as imperfect evaluation index types,unfocused index weights,incomplete verification of the authenticity of financial statements,and inefficient business processes.This paper according to The theory of information asymmetry,Risk control theory,The accounting contract relevance theory,combining with the actual situation of The D bank,the screening of the evaluation index,set up the index weight,analytical hierarchy process(ahp)to build The D bank debt renew loans without decision-making needs of customer credit evaluation system,the system optimization of the key development trend is to identify customer repayment capability,evaluation of customer profitability,operation and development prospect of evaluation indexes,according to industry dynamic index weights,to ensure business efficiency and effectiveness.Finally,taking the credit evaluation process of dezhou xuri non-staple food co.,ltd.as an example,the application research was carried out to compare the application process of customer credit evaluation based on the decision of The D bank on the Non-repayment and renewal of loans before and after optimization,and the rating results obtained by applying this model.Paper finally put forward the application suggestion,although the optimized system more focuses on the sustained profitability of customers and reimbursement ability continuously,provide powerful basis for credit decisions to some extent,but must be in accordance with the plan to the enterprise customer manager field verifications of the field,more understand customers loan real purpose,understand the repayment willingness of the customer.If the business customers can not reach the Non-repayment and renewal of loans,customer manager will continue to follow up,under the condition of meet the compliance to provide funding needs,customer manager in the daily communication with customers,not only would recommend no debt renew loans business,more certificates should actively recommend to the customer the bank,deposit money,such as business,building on the relationship with customers,but also to customers in the presence of theNon-repayment and renewal of loans needs can get high scores,loan approval work more smoothly.More importantly,in the process of carrying out the business of Non-repayment and renewal of loans,all personnel in each position should do their due diligence,must grasp the bottom line of risks,and carry out business on the basis of controlling risks.