因子分析法在商业银行信贷风险中的研究

Research of Factor Analysis in the Credit Risk of Commercial Banks

构建了一个新的上市公司财务绩效评价指标体系,并在此基础上应用因子分析方法,给出了一种综合评价上市公司财务状况和发展状况的新方法。根据企业财务和发展状况的总体水平,对银行向企业贷款所面临的风险大小进行了探讨。利用上市公司的相关指标做了关于企业信贷风险的研究,并进行了实证分析。

A new index system for financial evaluation of a marketing company is built, and on this basis the application of factor anal ysis method is offered as a new way of comprehensive analyzing and evaluating the financial situation and development of the company. This paper analyzes the credit risk of the bank providing loans to companies based on business finance and the overall level of enterprise development. Meanwhiie, in the light of relevant indicators of listed companies, the author has done a study on enterprise credit risk, and conducted an empirical analysis, which shows that the method is feasible and effective.