The Accounting Information Of Z Bank Credit Decision Research

The financial industry,one of the core elements of the economic operation in China,plays an essential role in economic development.Through the decades,Chinese commercial Banks have developed and improved their operation and management significantly.However,the development of Chinese commercial banks is confronted with unprecedented pressure resulting from,the comparably slower economic growth recently,the huge economy downward pressure,the unpredictability of monetary policy and the uncertainty of future economic situation and policy guidance.Considering the fierce competition in the future,credit risk is still one of the risks that commercial Banks need to pay the most attention to and it is the key to prevent and control credit risk reasonably.Credit risk persists in commercial bank operations so it is fundamental to control risk and minimize risk commercial banks to secure stable operation.Credit risk is one of the greatest risks to commercial banks.It is embedded in each process in the complete credit business flow.It is of great importance to control risk initially when commercial banks are making credit risk decisions.In this paper,from the perspective of bank credit,combined with the theory of financial analysis,the use of access to corporate accounting information,to study how to conduct business analysis.Based on the study of domestic and foreign literature and related theories,this paper studies the existing financial analysis system of Z Bank by using the existing financial evaluation method and selecting the credit decision status of Z Bank of China's commercial banks as the starting point.Based on the analysis of Z bank credit decision-making method,this paper chooses the case study of Z bank 's actual credit decision of credit enterprise.Through the study found that the current Z bank credit decision in the existing problems.For example,the credit industry analysis of the industry is not enough depth,not fully combined with the characteristics of credit companies.This paper summarizes the shortcomings of credit decision in China's commercial banks,mainly lack of credit risk awareness,decision-making satisfaction with the report analysis,customer risk disclosure and so on.On the basis of summarizing the traditional financial analysis methods,aiming at the characteristics of credit decision of commercial banks in China,the theory is applied to practice,and the more comprehensive credit decision method based on accounting information is explored.Mainly to improve the quality of accounting information,financial indicators to improve the analysis,the borrower in-depth study.