Research On Inprovements Of Evaluating Methods On Commercial Banking's Credit Clients

Credit service for private companies is one of the major components of commercial banking's operation.Recognizing risks beforehand provides a solid foundation for boosting the quality of credit assets.However,the ability of commercial banks to recognize risk has not been perfect yet,the limitations have led to inaccurate evaluations on credit services and affected the quality of banking assets and also the effectiveness of banking.This research report aims to find out the potential problems in evaluation system and then try to make amendments on the recognizing principles accordingly,thus raising the quality and efficiency of credit services.By consulting both domestic and overseas bibliographies,statistical analysis of credit business data as well as case-studied references on credit customer,the writer pointed out that the current assessment methods are still not reliable enough on information collection,evaluation models are unreasonable,the assessment reports are not written on a standard norm and behavior restraint mechanism is not perfect yet.Then,the writer made further suggestions on having more comprehensive insights to credit customers,accurately using evaluation model to assess risk,doing specific and standard writing on clients' risk assessment and strengthening the evaluation restraint mechanism.To further explain the above views,four aspects and thirteen measures of improvement will be involved.Simultaneously,in view of the unreal basic information,difficulties in evaluation of financial capacity and association problems between clients,the writer conducted three innovations accordingly.Firstly,the writer adds data correction in the process of evaluation.The second is to propose an analysis method named Five-Dimensional Financial Ability Analysis.The corresponding development on Mtorch Financial Analysis System is also finished.Thirdly,the writer emphasizes the need to focus on the enterprises from the whole and develop the Mtorch Association Diagram Drawing System accordingly.On the whole,this research will give effective suggestions on evaluating the risks concerning credit services.In reality,it will eventually benefit banks from aspects of risk-prevention and profit-maximization.