基于Credit Risk+模型的我国西部地区农村商业银行信用风险评价及防范研究——以四川某农村商业银行为例  

Credit risk evaluation and prevention of rural commercial banks in Western China based on credit risk+model:Take Sichuan KK rural commercial bank as an example

作　　者：吴琼[1] WU Qiong(Xinjiang University of Finance and economics,Xinjiang Urumqi 830012)

机构地区：[1]新疆财经大学,新疆乌鲁木齐830012

出　　处：《西部金融》2020年第2期66-72,共7页West China Finance

摘　　要：近几年西部地区农村商业银行发展迅速,但其现有的信用风险评价方法较为落后,不能很好地度量其信用风险,本文选用Credit Risk+模型作为研究我国西部地区农村商业银行的信用风险评价模型,以西部地区四川省某农村商业银行为例,对其信用风险进行评价分析,得出相关结论,并提出利于西部地区农村商业银行发展的对策建议。In recent years,rural commercial Banks in western China have developed rapidly.The existing credit risk evaluation methods of rural commercial banks in Western China are relatively backward,so they can not measure their credit risk well.This paper chooses credit Risk+model is used to study the credit risk evaluation model of rural commercial banks in Western China.Taking KK rural commercial bank in Sichuan Province as an example,this paper analyzes its credit risk,draws relevant conclusions,and puts forward countermeasures and suggestions for the development of rural commercial banks in Western China.

关 键 词：西部地区 农村商业银行 信用风险 CREDIT RISK+模型 

分 类 号：F235.2[经济管理—会计学]