The Analysis Of Credit Risk Of DH Technology Co.,Ltd. Based On The Bank Credit Perspective

Beijing DH technology co.,LTD.is founded in June 2002,that is a high-tech enterprise engaged in the research,development,production,sales and service of high-end rail transportation equipment.On the October 30,2009,the company was listed on GEM of Shenzhen Stock Exchange.This paper analyzes the credit risk of Beijing DH Technology Co.,LTD.from a bank credit perspective.By studying the existing research literature home and abroad,and the underlying conceptual framework,this paper analyzes the current status and credit extension of the company,including the company's basic information,business analysis,core competitiveness analysis,financial analysis,industry analysis,market analysis,and credit extension analysis.Finally,this paper analyzes the possible risks of the company with corresponding preventive measures,including industry and policy risk,business concentration risk,financial risk,operation and management risk.Beijing DH Technology Co.,LTD.belongs to high-end equipment manufacturing industry,and it is a technology-intensive and capital-intensive company of small-medium scale.Companies of the same type may face similar financing difficulties and potential credit default risks.The analysis on credit risk of Beijing DH Technology Co.,LTD.not only helps to improve commercial banks' comprehensive understanding of DH Technology but also raises the awareness level of the credit risk of the same type of companies and enhances risk management level of bank credit.Such analysis also provides references for enterprise credit risk research of other banks or financial institute.