Research On The Application Of Financial Analysis In The Credit Risk Management Of Y Bank

For most enterprises,the funds they need for their business activities are obtained through bank loans.Meanwhile,for Banks,loans are also the attention source of their income.However,because there are many uncertainties in the market,external economic policies will also change.The combined effect of these factors will lead to many uncertainties in the operation and production activities of enterprises,which will increase the possibility of corporate default and the risk level of bank credit business.On the whole,the credit business provided by non-commercial Banks is largely affected by policies,so their business areas and credit business scope will be subject to certain constraints,so the credit risk level is relatively low.However,through the analysis of the actual operation situation,it is found that non-commercial Banks mainly provide credit business according to regional policies and industrial policies when issuing loans,and it is difficult to fully coordinate the relationship between the security,capital liquidity and policy of credit business.In addition,the credit business also faces the risk caused by the policy factors,which makes the risk components of the bank's credit business more complex and the risk level higher.In most cases,Banks will first analyze the financial situation of enterprises applying for loans and comprehensively evaluate their profitability,operation and solvency,so as to make corresponding credit decisions.Therefore,for financial institutions,how to deeply analyze the financial situation to strengthen credit risk management is a problem that needs to be paid attention to and urgently solved.Against this background,from the perspective of engaging in credit business in the Y branch of Agricultural Bank,the author adopts the combination of theoretical analysis and actual credit cases,through communication and communication with professional teachers of relevant departments and relevant personnel of enterprises,and carries out financial analysis and inquiry on borrowing enterprises as the main body on the basis of credit asset management.Firstly,this paper introduces the definition of credit asset management and the process and means of credit risk management in Agricultural Bank.Secondly,it analyzes the relationship between bank credit risk management and financial analysis,and introduces the financial analysis.Definition and function,then through the current situation and problems exposed by credit assets,using theoretical analysis combined with the typical credit business financial analysis case of agricultural bank Y branch,this paper tries to dig out the existing problems and shortcomings of financial analysis of current Y branch in credit asset management.Finally,according to the specific problems in the case analysis of Y branch,this paper thinks about how to use financial analysis to prevent and control the credit risk of commercial banks,and puts forward some suggestions on how to promote the comprehensive financial analysis of credit business,improve the quality of financial data analysis,improve the effectiveness of financial analysis methods and build up the mechanism of financial analysis.