ABA银行信贷项目的风险识别与分析研究

ABSTRACTIn recent years,the restructuring loans of Cambodia's bankingsystem have increased to around 13%of gross domestic product(GDP),while non-performing loans (NPL)have increased to 4.5%of GDP.According to analysis,Cambodia's private debt is too high,and onceborrowers stop repaying loans,it will inevitably drag down the entireeconomy.The National Bank of Cambodia is gradually resuming prudentmeasures to ensure that the financial system remains robustness,so thatthe financial system can bear future shocks.How to effectively controlcredit risk is an important issue faced by the banking industry,and theprerequisite for controlling credit risk is to accurately identify risks.This article first elaborates on the concept and characteristics ofbank credit risk,and sorts out the relevant basic theories of credit riskidentification;Secondly,the current situation of ABa Bank wasintroduced;Then,using Analytic Hierarchy Process,13 indicators ofABA Bank's in five categories of cash flow ability,debt paying ability,profitability,operational ability,and growth ability were weighted;Then,organize relevant data to assess the credit risk identification of ABA Bank.Finally,based on the research results of this article,targeted managementsuggestions are proposed.The research conclusion not only provides corresponding