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| 商业银行信用风险及评估方法应用述评 | |
| 引用本文： | 尹宗成,田峰,吴永辉.商业银行信用风险及评估方法应用述评[J].安徽农业大学学报(社会科学版),2008,17(5):24-29. |
| 作者姓名： | 尹宗成 田峰 吴永辉 |
| 作者单位： | 1. 安徽农业大学,经济与贸易学院,安徽,合肥,230036 2. 合肥城建发展股份有限公司,安徽,合肥,230061 3. 安徽农业大学,人事处,安徽,合肥,230036 |
| 基金项目： | 安徽省软科学基金，安徽省教育厅人文社会科学基金，安徽农业大学农科教结合研究中心项目 |
| 摘 要： | 信用风险是商业银行面临的最主要的风险，如何改进信用风险评估方法、提高预测精度是摆在学术界和实践界的重要课题。自20世纪30年代以来，商业银行信用风险的评估方法大致经历了比例分析、统计分析和人工智能三个阶段。在对风险、信用风险概念分析的基础上，对主要的信用风险评估方法进行述评。 |
| 关 键 词： | 商业银行 信用风险 评估及预测 应用研究 |
Overview on Evaluation Methods of Commercial Banks' Credit Risk |
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| YIN Zong-cheng,TIAN Feng,WU Yong-hui.Overview on Evaluation Methods of Commercial Banks'' Credit Risk[J].Journal of Anhui Agricultural University(Philosophy & Social Sciences Edition),2008,17(5):24-29. | |
| Authors: | YIN Zong-cheng TIAN Feng WU Yong-hui |
| Institution: | YIN Zong-cheng1,TIAN Feng2,WU Yong-hui3(1.College of Economics , Trade,Anhui Agricultural University,Hefei,230036,Anhui 2.Hefei Urban Construction Development Co.,Ltd,230061,Anhui,3.Human Resources Department,Anhui) |
| Abstract: | Credit risk is the major concern that commercial banks are facing.It's a crucial issue both in theory and practice for how to improve evaluation methods of credit risks as well as accuracy of predictions.Since 1930s,evaluation methods of credit risks have experienced three stages including percentage analysis,statistics analysis and artificial intelligence.This paper is illustrating evaluation methods towards credit risks on the basis of analysis of concepts of risk and credit risk. |
| Keywords: | commercial bank credit risk evaluation and prediction application research |
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