财务指标评价银行信贷风险的实例运用

The Financial Indicators' Application in the Evaluation of Credit Risk

纵观古今,对于全球银行业来说,信贷风险管理的好坏决定了银行的生死存亡。近年来,随着我国银行业体制改革深入,各家银行信贷业务发展迅速,但是我国银行业信贷风险管理观念薄弱,管理水平仍较低,信贷业务快速发展和风险管理相对滞后的矛盾日益凸显,国内关于银行信贷风险管理手段和技术的研究也比较落后,本文将着重从财务报表分析角度探讨财务指标在信贷风险评价中的运用,探讨财务指标在信贷风险评价中的有效性。

Historically,it is the performance of credit risk management that determines the survival of banks for the global banking.In recent years,with the further structural reforms in the banking of our country,the credit risk management of banks develop rapidly.However,owing to the weakness of the conception of credit risk management,the low level of the management and the debasing ability to withstand risks in our country＇s banking,the contradiction between the rapid development of credit and relatively lag of the risk management is becoming increasingly conspicuous.Domestic research on the methods and technology of bank credit risk management is relatively backward.From the perspective of financial statements analysis,this paper arms at discussing the financial indicators＇ application and effectiveness in the evaluation of credit risk.