The Optimization Research Of Financial Analysis In Hunan Branch Of The China Development Bank Credit Risk Management

Bank credit is an important way for enterprises to obtain funds,and banks also make loans to obtain profits through credit operations.However,the external economic policies and market changes and other factors make the production and operation of enterprises face more uncertainties,resulting in an increase in the probability of default,which will bring greater risks to the operation of banks.Generally speaking,the credit business of non-commercial banks is policy oriented,and the scope and business scope of credit business are also limited.But from a practical perspective,its credit business mainly provides loans based on regional policies and industrial policies,and its policy,liquidity and safety are difficult to coordinate with each other.Moreover,there are risks caused by policy factors,which makes the risk factors faced by the financial institutions more complex and the actual credit risk is even higher.Generally speaking,when banks make credit decisions,they usually conduct financial analysis of loan companies,evaluate loan companies' solvency,operation ability and profitability,and provide a basis for making correct decisions for bank credit risk management.So,for financial institutions,how to further optimize the financial analysis in the credit risk management is a problem worthy of in-depth study.Based on the National Development Bank Hunan branch of the development of financial institutions as an example,firstly reviews the financial analysis and credit risk management theory,from the financial analysis of the meaning and the main methods of credit risk,the definition,category and content,and three aspects of the bank credit risk management in the financial analysis of the role of detail comb.Secondly,the National Development Bank of Hunan Province branch of the credit business,and then discusses the status of credit risk management in Hunan branch of China Development Bank in financial analysis,and to Changsha TICIG credit business as an example of the National Development Bank of China branch in Hunan province is how to loan customers for financial analysis,found that the National Development Bank branch of Hunan Province,mainly from the three aspects of solvency,profitability and operating capacity of enterprises for financial analysis.On this basis,this paper summarizes the problems and causes of financial analysis in the credit risk management of Hunan branch of the National Development Bank.Finally,aiming at the existing problems of financial credit risk management of China Development Bank Hunan branch in the analysis,put forward the financial statements including review of credit risk management,credit risk management of financial statements analysis optimization suggestions of credit management,credit risk management advice and suggestions for the construction of cultural methods of credit risk management and credit risk management in the financial.The optimization scheme is applied to the National Development Bank Hunan branch investment group of Changsha city credit approval,including the Changsha city investment group put forward a detailed review of financial statements,using Du Pont analysis of Changsha city investment group financial index changes in the internal relations analysis and optimization suggestions...