The Credit Decision Improvement Research Of A Bank

The content of this paper is the study on the improvement of the bank credit decision.Bank is a special industry with risk for commodity, is also highly competitive industry, its core-competitiveness is reflected in the risk control ability, and risk prevention and control is closely related with the credit decision, the bank credit decision-making process of personnel related to the bank credit assets when they can safely recover, only more comprehensive to indexes of the borrowing enterprises, including financial statements, financial statement index index non, non financial factors and credit factors, make the risk evaluation and rating of credit assets safety. The traditional credit decision process is mainly by means of quantitative analysis and qualitative analysis mainly, namely the company’s financial indicators and experience the credit decision-making personnel to form the credit decision final conclusion, in actual operation, because of asymmetric information, credit officers in the credit decision-making often make two mistakes:one is to abandon it that is, to high-quality loans; two is the nano pseudo, accept bad loans. Bring huge risk of hidden security funds wrong credit decisions to the bank, and the traditional analysis method has been difficult to adapt to the development of the market economy situation I do and regulatory requirements change, how can not effectively identify customer has the ability to pay, to enhance credit risk decision judgment, we must innovate the optimization in the credit risk management system. This article from the traditional decision bank analysis point of view, focus on the analysis of the effects of the credit decision making financial analysis factors (Han Fei report and statements factors), discussed the risk of non target market factors in the choice of financial statements, business cycle fluctuations, business risks and management; and discusses the financial the report factors profit index, operation index, liquidity index, and combined the analysis of financial analysis tools:balance sheet, profit statement and cash flow statement of reasons, the enterprise loan repayment ability, profit ability, the shortcomings of traditional credit decision only to analyze the risk factors of the financial statements, based on improved financial analysis method to make up for the traditional risk analysis methods are too simple, not to establish systematic and correlation analysis index system--VAR risk analysis method, the lack of scientific basis, lack of industry and the lack of cash flow analysis, further through the empirical analysis of the theoretical research results of application test and comparison, this paper the study contributes to the bank credit personnel with the actual environment to make scientific Reasonable credit decision, reduce the probability of making two kinds of credit decision error.