A Optimization Study Of The Financial Analysis For Enterprise Loans In Bank Of L

Banks often want to promote their development through extending their asset size and increasing deposit accumulation.An increasing number of enterprises and investors,however,are always trying to take advantage of the loopholes in the credit-risk management or side-stepping risk-control index,so as to get access to cheap capital from the banks.On the other side,the financial statements of an enterprise is an particularly important reference for bank credit.In the light of the downward trend of the overall market environment in the region,L Bank should pay more attention to the actual financial situation of enterprises when approving credits and loans to them.Moreover,due to the great influence of the public opinion from external environment,as well as the increasing outbreaks of non-performing loans,L Bank should attach more importance to the risk-control before the approval.L Bank should also make improvement on financial analysis on the basis of the existing customer credit rating system,so as to getting access to the real situations and the real financial data of the customers.It can reduce the ratio of non-performing loan and keep L Bank's credit in healthy development.Accordingly,L Bank is able to achieve the initial strategic goals and realize the original enterprise vision.This paper consists of four chapters.In the first chapter,it begins with the significance,purpose and difficulty of the study as well as the research status of the financial analysis of bank credit at home and abroad.The second chapter introduces the importance of corporate financial statements in bank credit business,common methods to cover non-performing financial statements and common methods to analyze financial statements.The third chapter first introduces L Bank briefly,and discusses the importance of the credit business to the development of the bank.Then,it specially analyzes the current situation of the financial analysis of the credit business in L Bank.Moreover,it finds out the shortcomings on the basis of the existing financial analysis model in L Bank.In Chapter Four,in the light of the existing shortcomings of L Bank,relevant measures are discussed to improve the financial analysis of the credit business.Finally,it introduces H company as a case study to demonstrate that the optimized financial analysis can analyze and value a company more comprehensively,which brings greater profits for the bank on the premise of risk-control.To sum up,this paper puts forward the optimization methods for L Bank's financial analysis based on its status.It is hoped that some of the original methods can be supplemented in the future so that the financial risks faced by credit business can be effectively controlled.