Bank G L Branch Credit Enterprise Financial Evaluation And Credit Decision Research

In recent years,the external economic environment faced by commercial banks has become increasingly severe,and the external economic conditions of most banks are not good,and the economy has been slowing down.Because this situation has led to the occurrence of many adverse events,such as the contradiction between oversupply and demand continues to deepen,the problem of the capital chain has also been revealed,various risks are scattered around us,and the rebound of non-performing loans has become larger.According to the problems described above,in order to completely solve such problems,banks must formulate corresponding strategies to adjust,put the quality of credit development in the first place,have the ability to identify credit granting enterprises,strengthen the management of credit granting enterprises of commercial banks,reduce the rebound of non-performing loans,and then promote the mature and stable development of credit.Based on the research results of financial analysis of accounting data at home and abroad to identify the potential credit risks of banks,this thesis comprehensively and deeply analyzes the current situation and existing problems of the financial evaluation of credit granting enterprises by Bank L Branch of Bank G.On this basis,we can trace the source of credit risk,find out that the non-performing loan problem of Bank L Branch of G Bank is actually a management problem,and the large amount of financing and investment exceeding its own limit,and then select 8 core financial indicators,and use the AHP hierarchy analysis method to see the proportion of indicators,so as to establish a financial evaluation model for CRI credit enterprises.At the same time,under the premise of ensuring the authenticity of the data information,the established financial evaluation model of the credit enterprise of Bank L of Bank G was used to select a case company to analyze and evaluate the data and make corresponding credit decisions.At the end of this thesis,based on the financial evaluation model,the financial evaluation guarantee measures of the credit enterprises of Bank L of Bank G are proposed,so as to improve the level of their evaluation credit enterprises and ensure the healthy development of the credit business of the bank company.