Research on Credit Risk Evaluation In Commercial Banks In China

Fangliang Ni, Jingwen Huang
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Abstract

Credit loans of Chinese commercial banks have been increasing; however, the risk of loan default is also rising rapidly, and Chinese commercial banks have been paying more and more attention to the management of credit risk, and that leads to the commercial banks’ exploration of the credit risk evaluation. Moreover, data mining and mathematical statistics techniques are applied in credit rating, risk monitoring, and prediction of customer default risk.
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中国商业银行信用风险评估研究
我国商业银行的信用贷款不断增加,但贷款违约风险也在迅速上升,我国商业银行越来越重视信用风险管理,并由此引发了商业银行对信用风险评估的探索。此外,数据挖掘和数理统计技术也被应用于信用评级、风险监控和客户违约风险预测中。
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