Research On The Relationship Between The Bank Credit Approval Results And The Corporate Financial Indicators

Commercial banks to credit approval has been the key decisions of the banks’ riskmanagement steps, it needs to come to after years of accumulating experience of actualwork experience, so as to give fast and accurate approval of the views to the examinationand approval work. With the rapid changes in socio-economic environment, theinnovation of financial products, more and more complex set of financial products,trading rules, risk management, the difficulty increases, approval of the means and toolsneeded to continuously improve to cope with the new changes. The financial data ofenterprises is more and more open, and it is more and more attention by the commercialbanks. However, the financial data of enterprises play a very important role in theapproval stage, is closely associated with the approval of conclusion, the effect of riskcontrol can play in the post-loan monitoring. These problems often encountered inpractical work, and easily to be subject to confusion. To a commercial bank, for example,to analyze the relationship between corporate financial data, with the approval ofconclusions and discuss the importance of financial data during the approval processthrough the analysis of the credit process and link analysis tools, statistical methods toverify the description of the commercial bank approval of the management of systemicand scientific.