Research On Risk Assessment Of Credit Business Of Photovoltaic Enterprises In Xinjiang Branch Of Export-Import Bank Of China

The policy-based financial business in China is facing a broad market demand,but at the same time,the credit risk of loans also presents a rising trend.Policy Banks in the purpose of the establish and some other aspects compared to the commercial Banks have substaintial distinction,therefore our country policy Banks non-performing loan ratio has remained high,and accompanied by policy Banks to expanding the business,policy Banks face the risk of situation increasingly showing a rising trend.However,the credit risk assessment methods of policy Banks in China are still in the stage of subjective judgment,and the traditional financial ratio assessment method takes up a large proportion in the assessment method.Due to the great difference between Chinese policy Banks and ordinary commercial Banks,the related risk control ability of policy Banks has received extensive attention from scholars and practitioners.However,due to the lack of available information,the risk control of policy Banks is rarely discussed in the existing literature.In this paper,the export-import bank of China,xinjiang branch photovoltaic enterprise credit risk evaluation problem as the research object,combined with the export-import bank of China,xinjiang branch J of photovoltaic enterprises to carry out specific analysis of credit business,analysis the in and out of the bank of China branch in xinjiang in the credit business risk of the photovoltaic enterprises evaluation of credit risk exist in the process of recognition of the importance of evaluation is insufficient,lack of modern management means,review process design flaws,evaluation methods and content is relatively simple,credit risk evaluation lack of corresponding organizational structure to support the problem.According to the existing problems,this paper puts forward some Suggestions on optimizing the credit risk assessment system of Export-Import Bank of China Xinjiang Branch,including: improving the understanding of the importance of credit business risk assessment,formulating relevant assessment implementation strategy and the understanding level of management personnel;Use the modern credit business risk assessment method,optimize the credit management information system,use the new credit risk assessment technology to assess the credit risk;Improve the risk assessment process of credit business,enhance its standardization,and increase the proportion of post-project review;Reasonably standardize the application of review methods,standardize the specific process of credit risk assessment;Establish a corresponding organizational structure to support the operation of the credit business risk assessment system,refine the responsibilities of the department,and improve the business skills of the reviewers.