Research On Customer Credit Risk Management Of Z Branch Based On Financial Statement

In recent years Chinese economic development has entered a new norm,economic growth from a high speed to high speed,adjust the economic structure is changing,the operating environment of commercial banks is becoming more and more complicated,credit risk incidents,the rebound pressure of bad loans has become more and more serious,which requires the bank itself continuously strengthen supervision and stability,put forward a huge challenge and requirement the new financial situation of Z branch credit management,the credit business of professional technical ability and professional quality,especially on the credit customer credit risk management level of financial statements based on the proposed higher requirements,therefore,only by strengthening credit risk management based on financial statements,in order to guarantee bank credit assets safety.This article from the bank credit risk management research background,research significance,research framework and methods of the related literature at home and abroad were reviewed,summarized the commercial bank credit risk management theory and the basic theory of financial statements,commercial bank credit risk management based on credit risk management theory and commercial bank,described the status quo of credit risk the management of Z branch,mainly from the micro and macro factors from two aspects of credit risk management of Z branch factors were analyzed,and analyzed the existing credit risk management of Z branch of financial statements from the perspective of the problem.Then the construction principle of the evaluation index system of the enterprise to clear the financial,apply for loans to financial statements as the research object,starting from the five dimensions of corporate solvency profitability,growth ability,operation ability and cash ability,give full play to the Z branch senior credit officers working experience,collected family enterprises the first hand data,and conducted a questionnaire survey and related personnel,practice,on the basis of the Delphi method to establish the credit risk identification and early warning model,and to test the model.At last,the paper establishes the comprehensive evaluation model to identify the credit risk of three typical enterprises,and puts forward specific and targeted risk prevention suggestions according to the results of financial analysis.Through the study of the case found that the credit risk identification and early-warning model is able to reflect the financial situation of the objective customer,the customer credit risk identification and early warning is to have some validity,provides a reliable reference and basis for the credit risk identification and early warning model for bank staff on customer credit risk the judgment,thus reducing the risk of bank credit,provide tools for credit risk management of banks.