Research On Evaluation And Control Of Corporate Client's Credit Risk Of XY Commercial Bank Nanjing Branch

As the most basic unit of the financial system,the operating condition of commercial banks has an extremely important influence on the stability and security of our financial system.From the external environment,the world economy will continue to be weak and resuscitation.Economic growth is also facing many unstable and uncertain factors.Meanwhile,China's economy is in a critical stage of structural transformation,stage replacement,risk release and mode reconstruction.From the internal situation facing the banking industry,the development trend of the banking industry is also changing from high speed growth to medium and high speed growth,which is the same as the trend of economic growth.In this period,challenges and opportunities coexist,and the transformation pressure faced by banks is increasingly prominent.The credit business is the lifeline of commercial bank to survive,has an important influence on the healthy operation of the risk management for commercial banks,a lot of experience shows that banks in the process of operation,risks found in the earlier,the loss rate of the result is lower,therefore,the establishment of credit risk evaluation system of commercial banks in line with its own operating characteristics it is particularly important in the present stage.Based on this,this study combined with the actual business of XY bank Jiangsu branch,relevant literatures on evaluation and control of the risk of commercial banks in the system at home and abroad and the typical theories above,further clarify the current situation of credit risk management of XY bank,combining with the existing research and put forward the general principles of constructing the system of risk evaluation index of XY bank and the credit risk evaluation index selection,then according to the construction of credit risk evaluation index system of the credit data of XY Bank launched the corresponding empirical analysis.Through the study of this paper draws the following conclusions: First is from the credit status of bank XY,for XY,the credit business accounted for a larger proportion of the overall business,facing the marketing competition situation and competition business environment is increasingly complex,increasingly differentiated credit demand,credit risk management of XY bank will face greater pressure,how to grasp the risk in the real economy under the new normal,adherence to risk the bottom line has become a necessary way to XY bank to promote business transformation and upgrading,enhance the comprehensive competitiveness,in this process,the quantitative evaluation of credit risk is particularly important.Second is through the related theory and research literature combined with business operation experiences,this paper finally selected 7 level indicators,23 level two indicators of credit risk evaluation index system.The third is through the AHP calculation,obtains the enterprise's solvency,operating capacity evaluation of enterprise relatively high level of index weights in credit risk,and the background of the relative weight of the lowest,two indicators in the independent third party guarantee ratio,realizable asset quality,liquidity ratio,quick ratio,total asset turnover ratio and should influence weight accounts receivable turnover rate,rate of return on net assets,net profit margin,net profit growth rate of the index is larger,more than 0.05,is a key link to need to pay attention to credit risk evaluation in the process of enterprises,and set up years,interest bearing loan,affect the quality of enterprise managers on the overall credit risk is relatively weak.The fourth is the empirical analysis of the credit risk evaluation of XY bank,XY bank credit risk assessment of all enterprises scoring average is 71.04,there is still large room for improvement;but since 2014 China entered the new economic norm "since the bank credit risk evaluation XY score showed a clear downward trend in enterprise operation ability and enterprise;the loyalty index is the main cause of the bank credit risk evaluation XY score is not high,the difference between the actual score of the two indicators and the maximum score accounted for the overall score loss generally around.Finally,based on the relevant research conclusions,this paper puts forward some suggestions on the risk prevention and control of XY banks and the improvement of the risk management system.Through this study,the XY bank,the system of evaluation index system of XY credit risk,banks can help XY effective in the early identification of risk,risk aversion,risk control,greatly reduce the risk of losses,and the sound operation of banking can be guaranteed;the entire banking sector,this research rich about commercial bank credit risk evaluation and management of material,for other commercial banks to prevent and control risks and provides reference.