The Application Of Corporate Financial Analysis In Credit Risk Review Process In Bank Of TJ

In China,“credit business” is the main part for the business bank, which is the also the mainsource of the operation. In the same time, the credit business is the business occurs with veryhigh frequency and with a big influence to the daily operations of the business banks. Thedecision failure of a big credit business could make the bank fall into the difficulty of liquidityrisk, or close out or even bankrupt. Therefore, the efficient review procedure is very requestedfor the risk of credit business.First, the article introduces the theories and methods of knowledge of bank credit riskreview and risk management and corporate financial analysis. Secondly, it’s about credit riskreview process and the status, do a very detailed analysis of the main content of Bank of TJcredit risk review, the problems at the present, as well as the cause of the problem. This articleshows the main reason for relevant problem of the Bank of TJ in credit risk review is the systemdoesn’t set up effective and practical credit review of the management system, the review andappraisal of the loan applicant’s financial condition to the lack of relevant quantitative indicators.Then, the application of corporate financial analysis in credit risk review process in Bank ofTJ. Under the Chapter three, shows the credit risk review of current status analysis anddiscussion of problems, and in this chapter, the article proposes a reference to the importance ofcorporate financial analysis and feasibility when doing credit risk review process, and designedto give businesses financial situation in credit risk analysis review process. Finally, this partshows two of the more important aspects of the process: making the emphasis statements ofreview with the financial report and analysis of the financial indicators.Finally, in the article selects the relevant case of credit risk review of corporate financialanalysis case studies. This chapter selects a loan application enterprise case in Bank of TJanalysis were analyzed, according to the established framework for financial analysis, doing theanalysis of the financial information of the applicant, and making the relevant final conclusion,in the end given the comments of the credit risk review of Bank of TJ.