Scheme Design Of Credit Risk Identification Of Inner Mongolia Bank Under The Background Of Business Unit Restructuring

All along,credit risk identification is an important research topic of commercial banks in China,especially for those local commercial banks like bank of Inner Mongolia,which pays more attention to the question that how to identify the credit risk effectively.The premise of a good credit environment is to do a good job of risk identification,however,China's current risk identification methods can not effectively identify the default risk of credit business.Therefore,this paper analyzes and summarizes the differences of risks before and after the reform of the division,and through the transformation of the existing models,the essay defines the degree of credit risk,identifies the potential risks,puts forward risk reduction responses and measures.Through designing a scheme adapted to current commercial banks' identification for credit risk,it is possible to enhance the effectiveness of credit risk of commercial banks.The conclusion of this paper is: through the relevant theoretical analysis and the actual case analysis,we can get the importance of cash flow debt ratio,the capital profit margin,the current ratio,current assets turnover ratio and capital debt ratio to credit risk,and based on the corresponding index coefficient,a recognition model of commercial bank risk identification is established.According to the model,the risk of customer default is preliminarily judged.At the same time,the transformation of the existing identification system has important reference significance for the bank's credit risk identification.