วันศุกร์ที่ 8 ตุลาคม พ.ศ. 2553

Rating Methods for real estate companies in commercial banks


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Bank is a type of company that is active in the management of money, will be faced with a variety of risks. In view of the rapid development of market economy, companies need to corporations. Thus, a valid credit card rate for business is necessary if the bank wants to reduce the risks if they have a credit application. As the pillar industries for the economy, the real estate firm of some functions, such as high binding, strong performance of the drive, wide publicity and so on.

OnAccounts of the company must recover some problems such as large-scale investment of time developing the long-term consumption, large cast of long-term capital and can not leave the support of commercial banks. The property sector has become the subject of business by commercial banks because they have a large amount of money borrowed by commercial banks. be affected in these days, real estate company by the financial crisis is the lack of cash flow.

There is aSymptom of the distribution chain between financing real estate companies and banks. The price of the property to weaken the goods via gliding, this will lead to a crisis for commercial banks because of the influence of the leading real estate product for the price of land. This analysis for the credit to the real estate company, is to reduce commercial banks' risks and the possibility of default. In lieu of the commercial banks, driving theConcept, function, origin and development of credit risk.

After the categorization, and a summary of current research at home and abroad, the selection of evaluation indicators and methods and use of financial information to stock jobber and businesses, we created a logistic model. The data will be made by special procedure and then tested by SPSS software. According to a logistic model derived from the test samples. Finally, the logistic model is to test a new caseprove its justification.

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