Research On The Risk Evaluation Of Bank Credit Assets

With the development of China's market economy system and the development and expansion of the financial industry,banks,as one of the important components of China's financial system,have received extensive attention from all walks of life for the daily operation and healthy development of banks.Especially in the background of supply side structural reform in our country,financial credit plays a more and more important role in the development of moderm industries and industries.At the same time,it also produced a large number of bad bank credit assets,which reduced the bank's liquidity level.People have doubts about the bank's ability to pay.This has undoubtedly laid a deep potential danger for China's economic progress.Compared with other countries,China's commercial banks have a relatively large number of non-performing credit assets,which are even gradually increasing.This has seriously affected the security and stability of China's financial industry,and has adversely affected the development of the entire economy.There is no doubt that how to manage credit assets is a deep and fundamental issue for the financial industry in various countries around the world.In our country,this issue has been gradually brewing and upgrading in the long-term socio-economic transition,and a large number of non-performing assets have finally emerged.The outbreak of such non-performing assets objectively is an unavoidable result of China's market-oriented reforms,and subjectively reflects China's lack of policies,systems,and decision-making.Therefore,it is necessary to study the problems related to the risk management of bank credit assets in china.In this paper,we combined the theoretical research and empirical analysis.We consider China's Bank credit assets risk management based on the status quo of the research in this paper,the integrated use of five classes of credit assets theory,credit risk prevention and control theory,portfolio theory,using the research method of model analysis and case analysis,research on bank credit assets risk evaluation in china.In the process of this research,firstly introduces the background,purpose,significance,methods and frame structure,so this study has a relatively complete theoretical framework;secondly,the related concepts and theories in the study are described and explored through literature research method,including the concept and related theory of risk management the bank the credit assets evaluation,credit assets risk assessment and and the current situation of the research at home and abroad were summarized and analyzed,so this study has a certain theoretical basis;the third part is the research of risk of China's Bank credit asset evaluation,starting from the current common problems of China's banking industry and analyze the errors and problems common in the risk assessment process;the fourth part of the problem as the basis for the construction of bank assets wind credit in China The index system of risk evaluation,construct the predictive equity cash flow model and credit assets risk assessment standard model;the fifth part of the J bank as an example,the J bank's current risk evaluation system and credit assets evaluation system of the status quo,and the application of the index system in the new J bank credit assets evaluation work in comparative analysis the research and practical analysis results;finally the theoretical level,to strengthen our bank credit assets risk control countermeasures and suggestions.The main contribution of this paper are following three parts:1.We found that many banks are lack of effective credit asset risk assesment system,which can result in many problems.The current banking industry lacks a correct understanding of credit risk management,and it does not have a comprehensive survey of credit assets,lacks effective understanding of macro policies and industrial policies,and lacks awareness of risks in loans.2.A bank credit asset risk assessment system was constructed.Based on the sources of bank credit asset risk,four levels of risk are identified from the perspective of corporate operations,market environment,loan default,and bank internal control.Second-level detailed indicators are set up to construct a bank credit asset risk assessment system;and analytic hierarchy process is used.Determine the weights for the selected specific indicators and determine the effective objective scoring criteria.3.J Bank evaluates the risk of A company's credit assets.According to the credit risk score of Company A,it is judged that this loan belongs to a concerned-level loan,so it is necessary to stay concerned and not worry too much.In addition,through the sub-level scores,it is analyzed that Company A's operating efficiency is high,and its credibility is also good.Although the current market environment is not good,it is still very competitive,and therefore further illustrates the high security of this loan.