Research On The Optimization Of Enterprise Financial Analysis In The Credit Risk Management Of Bank A Of Nanchang Branch

In recent years,due to the influence of domestic and foreign economic conditions,the accumulated market risk under the downward pressure of the economy has caused the credit risk of commercial banks to explode,which has seriously eroded the operating profits of commercial banks.As a traditional and core business of commercial banks,the credit business determines the operating profit of commercial banks.The healthy development of credit business and the level of credit risk management are of vital importance to banks.However,at present,banks have many problems in financial analysis of borrowers in the process of handling credit business,and financial analysis plays a key role in identifying,detecting and preventing credit risks for commercial banks.Therefore,how to optimize credit risk management Chinese company financial analysis? This is an important issue before commercial banks.This article uses Bank A's Nanchang branch as an example.First,it sorts out the relevant theories of credit risk management and financial analysis.Second,based on the theoretical research,it analyzes the credit business status of Bank A's Nanchang branch based on the theoretical research,and combines the case with a financial analysis in credit risk management.An analysis of the current situation of the company,taking Company C's credit credit business review as an example,vividly and concretely demonstrated how Bank A of Nanchang Branch made a credit decision through financial analysis.After understanding the actual situation of the bank's credit business and credit risk management,the author raise some problems in the credit risk management of Bank A of Nanchang Branch,such as the unreasonable staff structure of the credit team,the professional quality to be improved,and the practical review of credit reviewers.Insufficient,pre-loan investigation flow in form,difficult to verify the authenticity of financial data,insufficient analysis of cash flow,etc.Finally,on the basis of the above analysis,a comprehensive application of finance,management,and especially financial knowledge is proposed to further strengthen the construction of credit teams,further improve credit loan investigation and review and verification methods,further strengthen the authenticity verification of financial statements of credit customers,and further strengthen credit Customer cash flow analysis,further expansion of financial analysis,use of Z-value financial early warning model to identify corporate risk and other financial analysis optimization recommendations,and the optimization recommendations were combined with the financial situation of Company C and applied.It is hoped that the research in this article can provide a reference for corporate financial analysis in the credit risk management of Nanchang Branch of Bank A,and the optimization suggestions proposed can effectively improve the commercial bank's effective identification of financial statements of borrowing companies and help identify and prevent credit risks;Taking this as an opportunity,the credit risk management level of Bank A of Nanchang Branch was further improved,which in turn provided strong support for the bank's credit decision.