金融信贷档案对银行业风险影响因素的测度与实证分析

Measurement and Empirical Analysis of the Influence Factors of Financial Credit Archives on Banking Industry Risks

文章抽取金融信贷档案对银行业风险影响因素,通过专家咨询法确定了4个影响因素和15个二级影响因子,并采用ISM-MICMAC模型,分析金融信贷档案对银行业风险影响因素之间的层级关系与关联路径,并提出相应改进策略。研究发现,盈利能力报告、偿债能力报告、企业征信报告等档案信息作为独立因素群对银行业风险影响最大;个人信用报告、个人资信等级等档案信息作为自发因素群主要起着承上启下作用,对整个系统影响相对有限;现金流量表、资产负债表等档案信息作为依赖因素群具有低驱动性和高依赖性特点,易受其他因素影响。可以通过认真审查企业法定代表人档案、综合运用企业信用档案、持续跟踪企业经营档案和科学评估发展规划资料等途径,实现对金融信贷档案的全面测度与评估,以防范和控制银行业信贷风险。

The article extracts the factors influencing the risk of financial credit files on the banking industry,determines 4 influencing factors and 15 secondary influencing factors through expert consultation method,and adopts ISM-MICMAC model to analyze the hierarchical relationship and association path between the factors influencing the risk of financial credit files on the banking industry and puts forward corresponding improvement strategies.It is found that profitability report,solvency report,enterprise credit report and other file information as independent factor groups have the greatest influence on banking risk;personal credit report,personal credit rating file information as spontaneous factor groups mainly play the role of carrying on and starting,and have relatively limited influence on the whole system;cash flow statement,balance sheet and other file information as dependent factor groups have the characteristics of low-driven and high-dependence,and are easily influenced by other factors;cash flow statement,balance sheet and other file information as dependent factor groups have the characteristics of low-driven and high dependence,and are susceptible to other factors.Characterized by low-driven and high-dependence,they are easily influenced by other factors.The comprehensive measurement and assessment of financial credit files can be realized by carefully reviewing corporate legal person files,comprehensively applying corporate trust files,continuously tracking corporate operation files and scientifically evaluating development planning information to prevent and control the impact of credit risks in the banking industry.