商业银行本质上是一个特殊的高风险金融企业,风险管理逐渐成为其经营成功的核心技能。知情人战略是商业银行风险管理战略的重要组成部分,能够帮助银行吸引信贷风险小的优质企业客户。在既有资金、贷款期限等条件的约束下,商业银行将申请贷款企业的可用于抵押资产、企业经理综合素质、市场前景等引入多目标规划,对客户还贷进行评估。在评估的基础上,对照经验数据,进行是否给予贷款的决定,可以有效降低银行信贷风险。 Commercial banks are essentially special high-risk financial enterprises, and risk management has gradually become the core skill of their business success. Insider strategy is an important part of a commercial bank’s risk management strategy that helps banks attract high-quality corporate clients with low credit risk. Under the constraints of the existing capital and loan term, commercial banks will apply multi-objective planning to apply for the loan enterprise’s available assets for mortgage loans, the overall quality of enterprise managers and market prospects to evaluate the repayment of customers. On the basis of the assessment, the decision of whether to grant loans based on empirical data can effectively reduce the bank’s credit risk.