Research On The Control Of Bank Credit Risk Based On Financial Perspective

In recent years,under the background of supply side structural reform,China's economic development has entered a new normal.Under the influence of structural contradictions and other factors,the bank's operating situation is complicated,credit risk events occur frequently,the balance of non-performing loans and the non-performing rate continue to rise,which puts forward great challenges and requirements for the bank's credit risk control.Therefore,the professional and technical ability and professional quality of credit personnel,especially the improvement of credit risk control level based on financial statements,is particularly important.In order to control credit risk,banks should not only scientifically resolve the exposed risks,but also effectively identify the potential risks before making credit decisions,so as to take timely measures to control them.As a key step in the operation process of credit business,financial analysis of credit enterprises can provide a strong guarantee for banks to identify and prevent risks.However,there are many defects in the current financial analysis methods,such as: unable to effectively judge the quality of accounting information,lack of systematic and targeted financial analysis methods.It can be seen that the financial analysis methods of credit enterprises should be optimized reasonably in order to play a better role,so as to prevent the occurrence of credit risk,improve the quality of credit assets,and ensure the stable operation and sustainable development of banks.By combing and studying the relevant professional literature at home and abroad,this paper studies the general financial analysis methods used by banks in the credit business operation process at this stage,finds out the shortcomings,closely adheres to the industry characteristics and risk factors,selects the representative financial indicators,and designs the weighted scoring method of financial indicators with industry characteristics and reasonable weight to assist the credit risk identification and Control work.Then,it evaluates the rationality of each financial index assignment in the weighted scoring method of financial index,and discusses the bank credit risk control based on the financial perspective,so as to improve the scientificity of credit decision-making,reduce the risk control pressure of credit management,and improve the quality of credit assets.Finally,through the case study,it is found that the weighted scoring method of financial indicators designed in this paper can more directly and clearly reflect thefinancial situation of the industry object,quantify the advantages and disadvantages of the financial situation of the enterprise,which is more helpful for the bank to identify potential risks,and formulate reasonable and effective risk control measures for the disadvantages.Thus,it provides tool support for the bank's credit risk control and improves the efficiency of the bank's credit risk control.