Research On Optimization Of C Bank Credit Decision System Based On Financial Analysis

According to the fourth item of the first chapter of the "Commercial Banking Law" of China,rural commercial banks should be based on the principles of safety,liquidity and efficiency in their business activities.The most basic business function of rural commercial banks is to absorb deposits,issue loans,and obtain profits through the difference between deposit and loan interest.The credit business can be said to be its most important asset business.The credit risk arising from credit business refers to the risk that the assets of rural commercial banks will be lost when the customer defaults.The credit risk outbreak will directly affect the safety,liquidity and profitability of rural commercial banks,so the rural commercial banks are making loans,Business decisions should be cautious,especially for loans to corporate customers,because their loan amount is much higher than personal loans.In the event of default,the assets of rural commercial banks will face huge losses.Report-based analysis technology and relational analysis technology are the most widely used and mature credit analysis technologies used by major commercial banks in China.Report-based analysis technology is also called quantitative analysis method.It is based on numbers and is more objective.The relational analysis technology is more based on experience and more subjective.Therefore,in comparison,financial statement analysis technology is more favored by the majority of banking members,and it plays an important role in credit decision making.How to get earlier identifying credit risks more quickly,exerting scientific decision-making levels,and ensuring the security of credit assets are difficult problems that need to be continuously explored and overcome.As a regional rural commercial bank,C Bank has a large gap in terms of scale and hardware and software facilities compared to state-owned and large-scale joint-stock commercial banks.The existing set of credit decision-making systems has been relatively complete after more than ten years of practice.However,subject to accounting policies and restrictions on credit officers,the financial analysis methods in the existing system are stretched and directly affect the credit science decision-making.The ability has laid a hidden danger for the security of credit assets,which has caused the non-performing loans of C Bank corporate customers to continue to rebound,and credit risks have exploded from time to time.According to the above situation,the author based on the personal experience of the first line of marketing in C Bank,from the perspective of credit officers,from the analysis of the financial statements in the credit decision of C Bank,summarized the current analysis methods of financial statements,for the existence of The problem has been deeply analyzed,and targeted improvement suggestions and countermeasures are proposed.Through the financial statement check relationship review to solve the financial data authenticity and reliability issues,through the loan time review link cash flow analysis to optimize the financial statement sustainability issues,and from the non-financial point of view three recommendations to supplement and optimize C bank credit decision The system,combined with the actual case to verify the reasonable effectiveness of the proposed countermeasures,improved the traditional financial statement analysis method of C Bank,improved the scientific decision of C Bank credit decision,and enabled C Bank to identify credit risk earlier and faster.A new step in the security of credit assets.