Financial Analysis Of Borrowing Companies In DL Bank Cridit Risk Management Optimization Research

Commercial banks play a vital role in China's socio-economic development.At present,compared with foreign countries,China's capital market is still immature,and the main financing channel of the economy is still bank financing.Commercial banks earn profits by absorbing idle funds in the society,issuing loans,and charging interest on loans.As a special service industry,commercial banks invest funds to enterprises in need to obtain benefits.At the same time,there is a possibility that credit funds cannot be recovered normally when they expire,that is,credit risk,which will cause banks to lose assets.Therefore,strengthening the credit risk management of commercial banks is a required course for commercial banks.The key and core of commercial bank credit business risk management is to analyze and control the true repayment ability of the borrower,and the best tool is the financial analysis of the borrower,especially the financial analysis in the pre-loan investigation process.First,the concept of "credit risk management" is introduced,the theory of "Harvard Analysis Framework" is explained in detail,and the "Harvard Analysis Framework" is used as the basic theory to analyze the financial situation of borrowing companies in the process of credit risk management by DL Bank optimization guidance.Secondly,by describing the current status of financial analysis in credit risk management,the DL bank general credit survey report template is compared with the Harvard analysis framework,and the credit survey report template is compared with the basic guiding theory.Find out the deficiencies in the analysis of the financial situation of the borrowing enterprise in the process of bank credit risk management.Thirdly,through in-depth analysis and research,the shortcomings of the analysis of the financial situation of the borrowing company in the credit risk management process of DL banks were found through comparative analysis,so as to find the cause of the problem.Finally,according to the theoretical guidance,according to the existing problems and reasons,the corresponding optimization design is proposed in five perspectives: industry strategic analysis,identification of financial data authenticity,personnel quality and awareness,optimization of financial analysis indicators,and analysis of enterprise prospects.Credit staff provide corresponding help and reference in the actual credit risk management work.