The Research Of Corporation Financial Analysis Method Improvement In Credit Risks Management In SPDB

Bank is an industry with high risks. Risks become a part of bank system. How to keep the risks in control become the most important part of the credit risks management. The top priority is to indentify the risk. We can find out not only the production and operating plans in the past, but also predict the future from the financial analysis. The superior method of financial analysis can help us indentify the risk at the early stage. So it can be the important evidence for the credit decision.To be a commercial bank, how to keep the risks under control is the main task of credit risks management for SPDB. This dissertation describes the model of financial analysis in SPDB. Find out the limitations and make improvement.This dissertation is composed by five chapters. In chapter I, the importance of financial analysis in commercial bank is proposed. The domestic and overseas literature of financial analysis method is introduced. The way of train of thought is showed. Chapter II is responsible to illustrate the theory of credit risks and financial analysis. And the Du Pont System, the Woer specific gravity grades and the method of efficiency function are demonstrated. The current practice of SPDB in this aspect and the limitations of practice are brought forward in Chapter III. Chapter IV targets at the improvement of these limitations. Predictive validity is in Chapter V.The subject of the dissertation is adjusting the current financial analysis method to make it more accurate and introducing new models which makes the qualitative analysis more standard.