Construction Of Commercial Bank Loans Of Financial Risk Management Warning System

Interest on bank credit is the main source of revenue, and credit risk is the risk of major commercial banks, the risk of corporate loans from the interest owed, overdue loans, and even the formation of bad debts, resulting in the bank's non-performing credit is the risk of traditional commercial banks, Along with the development of the whole process of the bank until the still prevails in modern, especially in China's state-owned banks have huge non-performing credit, that hinders the normal operation of China's state-owned bank and the biggest obstacle to development, how to prevent credit risks in China's commercial banks urgent problems . Financial early warning system as a corporate financial analysis system, an important part of financial institutions in the investment decision-making is playing an increasingly significant role, banks are required in-depth analysis of the industrial structure and market conditions, increase the risk of lending to predict and control, in order to be fully China's banking industry continued to reduce credit risks and make unremitting efforts. As a result, bank loans in the establishment of risk management in financial early warning, at any time of the loan business for financial analysis, a simple statistical processing, to distinguish the financial position of enterprises, the bank's risk management after the loan term, it is extremely necessary. In particular, China's banks, bank risk management practices, there is not yet fully rely on a bank's financial results early warning credit risk management, and an early warning system for financial loans for commercial banks of the importance of risk management speaks for Schools. Therefore, it is necessary to the existing early warning of financial theory and methods on the basis of bank loans for the practical needs of risk management, to build a viable enterprise financial early warning system.This article first chapter on the current domestic and foreign financial early warning system, discusses the research on China's foreign finance the establishment of early warning systems enlightenment. The second chapter discusses the corporate finance to build an early warning system, including the company's financial early warning system design principles, the company's financial early warning system, the financial early warning system for structural design, financial early warning system model. The third chapter on China's commercial banking financial early warning system problems, including inadequate management structure, resulting in financial ignored early warning system, inadequate stock market, bankruptcy mechanisms, banking financial early warning model of a lack of theoretical basis for the bank Industry improper loan risk control. Chapter IV of this article is focused on, mainly credit risk management in financial early warning system to build. In this paper, the loan early warning system, the main considerations of solvency, profitability, operating capabilities and capacity development in four areas. Prominent in the solvency of enterprises, based on the choice of 10 indicators of financial ratios, coefficient method to determine the effectiveness of the use of the threshold limit and police to determine the effectiveness of the integrated enterprise loans coefficients which determine the loan business loans of the financial police degrees. The results of the above combined with early warning of the risk business loans, to do a comprehensive evaluation. Finally, the use of early warning As a result, different degrees of police business loans, from the bank's point of view put forward the corresponding countermeasures.