Commercial Banks Credit Risk Control By Analyzing The Liquidity Of Enterprises' Finance

Our country's commercial banks at present in the actual operation deciding whether to offer the loans or not, all the enormous attention concentrate on the enterprise's mortgage and pawns situation. But to the borrower's and the guarantee's financial analysis aspect, in the financial liquidity analysis in particular is short of takes comparatively. However this article believes that, an enterprise's cash class, is reflected the enterprise's finance condition and also the funds ability key exactly. Only when the examination performs in this aspect to analyze, can guarantee the loan and the interest being taken back according to the amount on time. In the past our country's commercial banks' non-performing loan always sticks at a high level, analyzing to flow ability the shortcoming that aspect risk keeps watch to exactly be a important reason. In recent years, with regard to bad and bad assets formation and risk have been kept watch , have already have been had a lot of research and analysis. There is comparatively fewer for the research in this aspect. As there is less research in this aspect, this article will emphatically break through in this aspect, using theory tools and the mathematical analysis tools, conduct the real diagnosis research. The non-performing loan current situation sets off from our country bank first, analyses the aspect ignoring in the analysis there existing cause in the person and pointing out to credit to flow ability. Flow ability and their influencing factor carries out analysis on the enterprise financial affairs then. And carry on the loan aspect by the Chinese and foreign commercial banks to the enterprise the data to launch the analysis research, carry on the loans of the commercial bank in the Chinese inland market to the enterprise from accepting, examination and the flowing situation to carrying on the comparison and the summary of the difference on focusing on the enterprises' liquidity, comparing with respectively fit and unfit quality, with the utilization of credit management theory, the discussion of control and guards against the credit risk. What should the banks do during the examination and approval of enterprise loan from which key performs to take and to inspect the liquidity analysis, and proving the proposed argument of this article at last.