Research On Optimization Of Financial Analysis Methods In Credit Management Of D Commercial Bank

Along with the opening of capital market and the downward impact of economic environment,adding the impact of unforeseen factor,such as epidemic events,political diplomacy,commercial banks are facing greater operating pressure and credit risk.Commercial banks have to improve the ability of credit management,in case to maintain the stability operation of banks.Financial analysis is an important method to identify and evaluate credit risks which has been used by banks in credit management.However,due to the lack of professionalism of bank analysts,unclear financial analysis mentality,unreasonable analysis methods,the performance of financial analysis work is unsatisfactory,and the quality of financial analysis report is unstable,financial analysis fails to play its role in credit management.Based on the research of financial analysis used in credit management of D commercial bank,this paper illustrates the problems existing in the application of financial analysis,and proposes the improvement method of financial analysis according to the bank credit management requirements which provides clear financial analysis ideas for bank credit analysts,helps banks improve the effectiveness of financial analysis work,and shows the effect of financial analysis during the credit management.First of all,on the basis of consulting a large number of literature,the author summarizes the relevant theories of bank credit management,risk control process and financial analysis methods.This paper summarizes the credit management process,the application of financial analysis and the quality of financial analysis report of D commercial bank using the investigation and research method,and then analyzes the causes of the problems in the financial analysis method.On the basis of literature research,combined with the needs of credit management and practical work experience,this paper proposes an improvement method of financial analysis.Finally,this paper selects a large enterprise with complex business situation as a typical case,and analyzes the enterprise with the improved analysis method in case to demonstrate the practical significance of the arguments in this paper.The main innovation of this paper is proposing a clear idea of financial analysis.The financial analysis is divided into three parts.Firstly,the author puts forward the perspective analysis method of financial statements which can used to do the preliminary estimation of the enterprise.secondly,the author uses the appropriate financial indicators under the analysis framework and evaluates the business performance of the enterprise.Finally,the author links the results of financial analysis with credit decision-making and propose the reasonable credit strategy for enterprises.By improving the application of financial analysis in credit management of D commercial bank,the quality of financial analysis can be improved,the role of financial analysis in credit management can be brought into play,and the level of banks credit management can be improved.At the same time,it can be used as the reference financial analysis method by other banks and also help future researchers find a more suitable financial analysis method for credit management.