The credit 5c analysis method is to analyze customers' or customers' credit standards through the "5c" system, which is to evaluate customers' or customers' credit quality in five aspects: quality, ability, capital, mortgage and conditions.

At first, 5c analysis method is one of the expert analysis methods used by financial institutions to analyze the credit risk of customers. It mainly focuses on the borrower's moral quality, repayment ability, capital strength, guarantee and operating environment conditions to make a comprehensive qualitative analysis to judge the borrower's repayment willingness and repayment ability.

In recent years, 5c analysis method has been more widely used in the credit evaluation of enterprises to customers. If customers can't meet the credit standard, they can't enjoy the credit of enterprises or can only enjoy lower credit concessions.

Matters needing attention when using 5c evaluation method:

(1) Highlight the importance of honest behavior and scientifically handle the influence of financial indicators such as assets and profits in this evaluation system.

(2) The adopted basic data, index caliber, evaluation methods and standards should be consistent.

(3) Appraisers should be independent in the evaluation process, not influenced by the appraised object and other external factors, make independent judgments based on basic data and basic information, and use their own knowledge and experience to carry out the evaluation objectively, fairly and fairly.

(4) In the process of evaluation and analysis of evaluation results, be cautious in drawing conclusions. Especially when scoring qualitative indicators, we should be careful to give points. In the analysis, it is necessary to accurately point out the potential risks affecting the operating conditions of the evaluated object, and make in-depth analysis of the extreme situations of some indicators.