基于模糊评判的商业银行客户资信评级方法

Commercial Bank Credit Grading Method Based on Fuzzy Evaluation

随着现代经济的发展,商业银行的经营运作日趋多元化和复杂化,风险管理变得越来越重要。商业银行只有将风险控制与业务拓展有机结合,才能真正获得效益,实现生存与发展。在各种风险中,客户信用风险是银行面临的最主要的风险。如何有效地甄别和防范客户信用风险,多年来一直是银行界积极关注、探讨和实践的一个重要课题。

Along.with the development of modem economy, the running ways of commercial banks tend to be complex and varied. Once bank combines risk management with business development, it can get the real profit and growth. Compareed with other risks, the credit risk of the clients is the most crucial one. How to distinguish and prevent the credit risk of the clients is always an important task noted and quested by bankers for decades.