Research On Internal Control System Of Credit Risk Of Commercial Bank Based On Fuzzy Analysis Method

Discussed in this paper,according to a commercial bank credit risk internal control system,with the Angle of the comprehensive analysis from the theoretical level,live analysis and model analysis and empirical research analysis point of view,and from the theoretical level and practical level obtained certain achievements.This paper from the aspects of literature research and the present situation research,through to each big commercial bank of China's progress in risk control management,and establish the relevant risk control system,this paper conducted a comprehensive study,and summarizes the internal risk control of commercial bank means and methods,easy for later research and evaluation examples and references,as well as avoid the disadvantages of the current internal control risk management system.Based on the above,on the basis of literature research,through the case study,sum up,the game analysis of comprehensive combing internal commercial Banks credit risk factors,from "the credit business operating environment,human resources,risk identification and evaluation,post-loan management and supervision,information management",through the analysis of the five elements,on the basis of the complete commercial bank credit risk evaluation index,and through credit risk index indicators of the actual impact results of correction,further clear and correct for credit risk factors.After confirming the credit risk evaluation index,through means such as expert evaluation,fuzzy evaluation method to the quantitative analysis and modeling of evaluation index,establishing commercial bank credit risk evaluation index weights and affect weight,complete internal evaluation index of the fuzzy analysis of commercial bank credit risk.Finally,based on the modeling based on the results of analysis,according to the actual situation of a domestic commercial bank for validation and instantiation research,verified the validity of the calculation of commercial bank credit risk internal evaluation index,from a practical perspective of validation research results in this paper.