The Research For Bank Credit Risk Identification Based On Finance Analysis

In the past years, domestic commercial bank was confronted with grim economical circumstances abroad, the depressed trend of economy development was difficult to be reversed, the situation of excessive production capacity and capital deficit continued to develop further, the risk of market, credit and morality continued to diffuse, the sum of non-performing loan increased remarkably, the pressure of quality control increased for credit assets. The economic pressures, such as profit promotion, non-performing loan increase, industrial structure adjustment and economy development transformation, present cumulate, were accumulating at the present time. Commercial banks are urged to take many measures for adjusting development strategy, adhere to the development of quality, improve the risk recognition technology, strengthen risk management means, contain the bad loans fast growth momentum. Therefore, credit risk can be prevented and controlled effectively, and the quality of credit assets trends to be stabilized gradually.The research achievement on the fields of the credit risk causes and recognition, and financial analysis technology, are discussed in this article, comprehensive analysis and dialectical thinking are made on the related views and ways of finance analysis. Through analyzing the present situation of macro economy, the existing difficulties and problems of credit risk recognition are discussed on the management affairs of commercial bank risk. Through accurate imputation risk characteristics, the essential reasons of loan risk are classified as four types:management problem, excessive financing, excessive investment and excessive guarantee. Therefore, financial indicators of credit risk are classified as business conditions index, financing index, investment index and security situation index. Through selecting some representative financial indexes from different angles to reflect the risk status of the borrowing enterprises, and giving the corresponding weight on financial indicators with the analysis method of AHP, the CRI credit risk identification model is established in the present article. Finally, using the established risk identification model, a trial analysis of financial indicators will be selected into the model case, so sample existing credit risk is revealed and suggestions of credit risk prevention are put forward. Analysis of specific risk case makes the research method more practical.The main innovation of this article is to occur through studying different representations of the loans risk for developing the essence reasons, combing credit risk recognition from the logic mechanism angle of financial analysis, selecting reasonable and effective financial index, applying AHP analysis method of weighting design index, the construction of financial analysis system, identify credit risk through establishing model from the angle of quantitative analysis. The establishment of CRI credit risk identification model serves commercial banks to provides research ideas and solutions for improving risk pre-contracting ability and prospective.