Research On Post-loan Credit Risk Assessment Of Bank A

Commercial banks are at the core of China's financial system,and the sound operation of commercial banks plays a vital role in maintaining the country's financial stability.Loan business has always been the core business of commercial banks and the most important means of making profits.In recent years,with the rapid development of the credit business of commercial banks,the non-performing loans of commercial banks continue to rise,which brings many adverse effects on their normal operations.In the post-loan management process,commercial banks need to continuously face the pressure of non-performing loan management and control brought by credit risks.Credit risk has become the most important risk in the post-loan management of commercial banks due to its complicated causes,difficult management and great influence.The improvement of post-loan credit risk management is of great significance for commercial banks to prevent credit risks,improve the quality of credit assets and maintain the sound operation of commercial banks.Bank A is a first-class branch directly under the head office of a national joint-stock bank.Since its establishment,Bank A has achieved rapid development in credit business growth and scale growth.In recent years,in the face of complex and changeable domestic and foreign economy and continuous exposure of non-performing loans by regional customers,the non-performing loans of Bank A have increased significantly and the non-performing loan ratio has also greatly exceeded the head office level,which has brought a great negative impact on the normal operation of Bank A and it will continue to face the great impact of credit risks.In the process of post-loan management,although it has built a comparatively complete credit risk management mechanism,but the decline in the quality of credit assets is subject to customers,regional credit environment deterioration,information asymmetry between fact,imperfect management system and so on a variety of reasons,Bank A has yet to establish a unified and effective post-loan credit risk evaluation system.Therefore,the establishment of a set of scientific and effective post-loan credit risk assessment system suitable for the risk management needs of Bank A is of great significance to improve the post-loan risk management level of Bank A and the overall operation level of Bank A.This study starts from the concepts and theories of credit risk,credit risk post loan and credit risk evaluation post loan.Firstly,through consulting a large number of literature,study and draw lessons from the domestic and foreign commercial banks advanced post-loan credit risk evaluation theory and model,to Bank A's loans as the main research object,combined with Bank A credit risk management post loan status and evaluation method,the expert evaluation method,Analytic hierarchy process,Efficacy function method for Bank A loan credit risk evaluation index selection,after setting,empowerment and evaluation,establishes financial factors and non-financial factors under 21 evaluation index of Bank A loan credit risk evaluation index system.Secondly,empirical study is carried out on the above evaluation index system,and the weight of the above index system is calculated by combining analytic hierarchy process,expert evaluation method and quantitative and qualitative analysis.The empirical results of Bank A's corporate loan customers are compared with the current risk classification results of Bank A's corporate loan,so as to verify the accuracy and effectiveness of Bank A's post-loan credit risk evaluation index system.Finally,effective suggestions are put forward for Bank A to improve the post-loan credit risk assessment.