Financial Analysis On The Credit Risk Management Of Commercial Banks In Large Customers

Wuxi Suntech Power Limited Company(here referred to as Wuxi Suntech for short)was once the largest photovoltaic enterprise in China.It developed in scales with production and sales for the integration. It developed into one of the world’s largest producer of solar modules in just ten years. But due to the global slowdown in demand, international trade environment change, excess production capacity, such as some other internal and external reasons, Suntech went to bankruptcy reorganization in 2013. Its bankruptcy brought a big impact for the native economy, however, it gave a bigger impact for the commercial banks.The case of Suntech awake alarms for the commercial banks.Since the global economic crisis, the financial markets experienced recovery at the same time, also faced with the new problems and challenges. For the commercial bank credit risk management proposes a bigger challenge. With the increasingly market-oriented economic environment, commercial banks in China pay more attention to the credit risk management. Big customers with their own advantages become the target of services for commercial banks. However, the situation is not fair for the banks. Big clients used of their own advantages to achieve much more interests. Big clients deal with commercial banks, use their comparative advantages to choose the better service.In order to make the big clients satisfied, commercial banks had to sacrifice their own interests. At the same time, service for large customers make commercial banks faced with complex risks.In fact, with many other reasons, the big customer credit risks, gradually formed a large customer credit risk.In this article, we used financial statements analysis to find out the shortages of commercial bank credit management in the suntech case. Through the use of financial statement analysis method in commercial bank customer credit,we can find out the warning information identify and evaluate early.From judging financial early-warning information leads to a degree and the possibility of loss of credit assets. Finally we can find out the appropriate credit policy to save the loss. By improving the commercial bank credit management of financial statement analysis ability and the importance, further enhance the level of large customers of commercial bank credit risk management.