Optimization Research On Credit Risk Assessment Of Manufacturing Enterprises By A Commercial Bank

In 2018,the State Council officially approved the "Overall Plan for the Construction of Shandong New to Old Kinetic Energy Conversion Comprehensive Experimental Zone"(Guo Han [2018] No.1).By 2022,the main indicators for the conversion of new to old kinetic energy in Shandong Province have been basically completed,and the construction effectiveness of the comprehensive experimental zone has been highlighted.Under the background of the transformation of new and old driving forces,the economic structure of Shandong Province is undergoing a huge transformation,which puts forward higher requirements for the banking industry,and requires the banking industry to play an important role in serving the real economy and emerging market industries.According to the requirements of the Plan,cultivate and expand traditional industries such as new technologies,new industries,new formats,new models,transformation and upgrading industries,processing and manufacturing industries.At present,some manufacturing enterprises are facing the shortage of labor supply,rising costs,and declining profitability,resulting in their inability to repay bank loans;Another enterprise is making efforts towards enterprise transformation and upgrading,but because the new project has not been put into production after upgrading,or the feasibility study of the new project is not in place,the new project cannot achieve the expected profit goal,resulting in its bank loan default.The current loan scale of A commercial bank is 14 billion yuan,of which the corporate loan reaches 98%.The main service customers are manufacturing enterprises.They respond to the call of the country and Shandong Province with practical actions and effectively support the development of the real economy.In the process of credit business development,the issue of credit risk rating of manufacturing enterprises by banks has gradually become the key to restrict the development of bank credit business.Therefore,it is urgent to carry out research on credit risk assessment of manufacturing enterprises and improve the risk management level of banks.Based on literature research,field survey and other methods,this paper is based on the existing credit risk theory research,bank-related theory,enterprise credit risk assessment research,and research on manufacturing enterprise credit risk,combined with the current situation of A commercial bank,the development status of manufacturing industry under the background of the transformation of new and old kinetic energy,and the capital demand,from the pre-loan,in-loan The three processes after the loan analyzed the main problems of the credit risk assessment of manufacturing enterprises: the pre loan investigation was not in place,the risk assessment and review during the loan was not perfect,and the post loan risk management and control was unreasonable.Secondly,in-depth analysis of the causes of these three problems: weak awareness of credit risk assessment,imperfect credit risk assessment index system,unscientific credit risk assessment methods,and imperfect banking system and mechanism.Then,according to the problems and reasons,four optimization schemes are proposed from the perspective of data model and comprehensive management: first,strengthen the awareness of credit risk prevention by building a credit risk training mechanism and configuring a credit risk management team;The second is to improve the credit risk assessment index system based on factor analysis and analytic hierarchy process;The third is to build a fuzzy evaluation model of two-level credit risk level based on fuzzy theory and optimize the credit risk evaluation method;The fourth is to improve the internal system of banks by building a credit risk early warning mechanism,optimizing the supervision mechanism,and establishing a post-loan risk management mechanism.Finally,based on the actual situation of A Commercial Bank,we put forward safeguard measures from the aspects of strengthening the application of big data,strengthening the construction of talent team,and improving the system guarantee.The research results of the paper show that through the risk study of manufacturing enterprise credit business carried out by A commercial bank,the response optimization and safeguard measures are put forward,and a set of theoretical analysis framework is constructed,which can better solve the relevant problems of commercial banks in the process of credit evaluation,and provide theoretical reference and basis for similar commercial banks to carry out relevant business.