B Research On Optimization Of Financial Analysis In Credit Management Of Commercial Bank

In recent years,affected by the economic situation and macro policies,China’s socio-economic environment has become increasingly downward,coupled with the impact of emergencies such as the new crown epidemic and diplomatic conflicts,which has not only increased the operating pressure of commercial banks,but also increased the risk of credit granting,the non-performing rate of credit assets has continued to rise,and the difficulty of credit management has also increased.In order to ensure the quality of bank credit assets,so as to ensure that banks can operate smoothly and healthily,bank credit granting business personnel need to further improve the level of credit management.This paper summarizes and analyzes the research status of credit risk management of commercial banks at home and abroad,and points out the current status of credit risk management of commercial banks and analyzes its existing problems on the basis of evaluating relevant theories.Subsequently,this paper proposes to construct a credit risk management financial index evaluation system based on the financial statements of borrowing enterprises,discusses in detail the construction principles of the system,the determination of evaluation indicators and the distribution of index weights,and selects Company L as a case study to use the financial index evaluation system constructed above to conduct financial analysis of the enterprise to help Bank B make reasonable credit decisions.Finally,in view of the existing problems,countermeasures and safeguard measures for improving the credit risk management of commercial banks B are proposed,which have strong practical guiding significance.In summary,this chapter gives an optimization method for the current situation of financial analysis of commercial bank B,which can be used to improve the quality of financial analysis of commercial bank B,play an important role in the management of credit management,and improve the credit management level of commercial banks.