The Research Of Financial Analysis Method Improvement In Credit Risks Management

Banks is an industry with high risks. We can say that since loan business appearing, risks and risks management are with banks and become a part of bank system. The most important knowing of bank is risks and risks management. In many developed countries, risks management and skills get perfect. Kinds of skills, implement and safe are applied to use. But we can not follow up blindly without basic conditions. This paper point out the problems of risks management of Chinese commercial bank after analyzing the features of credit risks. Then we apply financial distress to risk management and adopt data to demonstrate effect.This paper is composed of six chapters. Chapter 1 presents the study content and means step by step, and on the basis gives the framework of the paper. Chapter 2 reviews the theoretical foundation of credit risk management. Chapter 3 presents the credit risk features of our country and the shortcomings of risks management. Chapter 4 on the basis of former contents, presents financial distress theory and models, and analyzes the use to risk management. Chapter 5 adopts data to demonstrate effect of financial distress models. In the end, the author conceives how to perfect credit risks management frame of our country from three aspect.