The core competitiveness of commercial banks is reflected in the ability of risk management, and the most important of all risk management is credit risk management. In addition, for commercial banks, real estate loans are a very important source of income, therefore, investment in real estate funds has increased, but the real estate business non-performing loan rate continues to rise. At present, the real estate industry has been included in the high-risk industries, therefore, to strengthen the real estate credit risk identification for the healthy development of the bank is very important. In the paper, credit risk is briefly introduced, including concept, classification and identification methods. Then we introduce the Z-score model, which is measured the credit risk. We find that the result is not very accurate, so we revised the model considering the situation of our country and the characteristics of the real estate industry. Finally, the Z model is prospected on the basis of the theoretical exposition.
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