System and method for evaluating bank lending risks

A bank and risk technology, which is applied in the system field of evaluating bank loan risks, can solve problems such as the inability to evaluate bank loan risks objectively, accurately and effectively, and achieve the effects of objective, accurate and effective evaluation, improved efficiency, and improved prevention and control

Inactive Publication Date: 2007-05-30
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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Problems solved by technology

[0009] In view of this, an object of the present invention is to provide a system for evaluating bank loan risk, to solve the problem of being unable to evaluate bank loan risk objectively, accurately and effectively, and to realize objectively, accurately and effectively assessing bank loan risk
[0010] Another object of the present invention is to provide a method for evaluating bank loan risk, so as to solve the problem that bank loan risk cannot be evaluated objectively, accurately and effectively, and realize objectively, accurately and effectively evaluate bank loan risk

Method used

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  • System and method for evaluating bank lending risks
  • System and method for evaluating bank lending risks

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Embodiment Construction

[0048] In order to make the object, technical solution and advantages of the present invention clearer, the present invention will be described in further detail below in conjunction with specific embodiments and with reference to the accompanying drawings.

[0049] The core idea of ​​the present invention is: by adopting the "two-stage method" for automatic rating processing, first evaluate and quantify the borrower's financial and management conditions, industry market conditions, cash flow, etc., and calculate the borrower's evaluation score according to the corresponding quantitative results ; combined with the characteristics of the loan project, the loan method and the measures to avoid risks and other aspects to evaluate and quantify, obtain the preliminary evaluation result of the loan, and then conduct rating review and correction on the preliminary evaluation result, and finally determine a more scientific, Quantified bank loan credit risk evaluation results solve the...

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Abstract

The invention discloses a system to evaluate the risk of bank loan that includes: data management equipment used to store the basic data, the intermediate data and the result data for loan grade; banking on-line subsystem used to execute the deposit, withdrawal deposit, transfer account, recall and withdrawal loan, and calculation business process; application service device used to process the original data obtained from the data management equipment and output the processing result to the Web sever device; Web sever device which is used to provide service based on http and https, and produce dynamically the Web files for the user terminals; user terminals which is used to receive the user information and send to the Web sever device, displays the processing result information returned by the Web sever device; teller identification device used to process the user's information input by the application service device and return the result to the application service device. The invention discloses a method to evaluate the risk of bank loan at the same time.

Description

technical field [0001] The invention relates to the technical field of asset credit risk management in financial services, in particular to a system and method for evaluating bank loan risks. Background technique [0002] As we all know, there are capital risks in the process of capital management. Here capital risk mainly includes credit risk, operational risk and market risk. [0003] Among them, credit risk refers to the possibility and severity of the counterparty's inability to repay its debts on time in accordance with the contract, and is the most important capital risk. Especially in the financial field, the asset business of commercial banks is very large, and the loan business is one of the most basic businesses of banks. Therefore, the credit risk of bank loans is the most basic risk faced by banks, and it is also a key factor in determining the capital adequacy ratio of banks. [0004] Accurately revealing and measuring the credit risk of bank loans is crucial ...

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/00G06Q40/02
Inventor 叶华龚光庆卢昭泉王班纳
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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