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论文编号：	7307
作者编号：	2120132834
上传时间：	2015/6/4 23:28:05
中文题目：	GF银行授信管理中企业财务分析模式研究
英文题目：	Enterprise Financial Analysis Model Research in GF Bank Credit Management
指导老师：	李莉
中文关键字：	商业银行；授信管理；财务分析
英文关键字：	Commercial Bank; Credit Management; Financial Analysis
中文摘要：	在商业银行不良贷款率逐年上升的情况下，做好信贷资产的授信管理工作是各商业银行亟需解决的问题，作为全国性股份制商业银行的GF银行也不例外，希望通过控制客户的信用风险来降低不良贷款率。识别和控制客户信用风险比较有效的方法之一就是发挥信贷财务分析的作用，通过客观的财务数据，分析企业的偿债能力、营运能力和成长能力依然是现代授信管理最先进、最有效的手段。本文通过对构建GF银行授信管理中企业财务分析模式来探索解决该行逾期贷款率和不良贷款率较高的问题，希望能够对GF银行完善风险管理体系和防控信用风险起到一些启迪和借鉴作用。本文共六章，第一章引言简要介绍了本文的研究背景、研究意义、研究内容以及研究方法。第二章主要对授信管理的相关理论进行了回顾，并对授信管理与财务分析之间的关系进行了阐述，列举出部分相关领域的研究成果，同时对国外信贷财务分析的方法和特点进行了介绍。第三章则通过列举数据阐述了GF银行企业财务分析的现状，并就现状分析了该行企业财务分析中存在的问题，从银行内部和外部两个方面来剖析产生这些问题的原因。第四章建议通过再造企业财务分析流程，选择财务分析的关键因素和改进财务分析模型等措施来构建出GF银行授信管理中企业财务分析模式。第五章对构建的企业财务分析模式在流程、内容和分析模型上进行了实施，并分析了实施的保障性因素。第六章对本文进行了总结，并得出结论，即该模式能够改善目前GF银行授信管理中企业财务分析的问题，同时对本文仍存在的不足之处进行了总结。
英文摘要：	With the rising of commercial bank non-performing loan rate year by year, it becomes an important and urgent problem to improve the loan credit management in the commercial banks. As a nationwide joint-stock commercial bank, GF bank is not exceptional to hope to reduce the ratio of non - performing loans through the control of customer credit risk. It is one of the most effective methods to play the role of financial analysis in credit management by identifying and controlling the credit risk. Through objective financial data, it is still the most advanced and effective credit management method by analyzing enterprises’ debt paying ability, operation ability and growth ability. Based on the construction of enterprise financial analysis model in GF bank credit management, this paper explores the solutions of the bank's overdue loan ratio and a higher rate of non-performing loans. It is hoped that this paper can offer some enlightenment and reference to improving the risk management system and preventing and controlling the credit risk for GF bank. There are six chapters in this paper. Chapter One mainly introduces the background, significance, content and methods of this research. Chapter Two mainly reviews the related theory of credit management, and it describes the relationship between credit management and financial analysis. At the same time, it introduces the methods and characteristics of foreign credit financial analysis. And it lists on parts of the research results in the related fields. Chapter Three expounds the present situation of enterprise financial analysis in GF Bank by the list of data. Based on the situation, it lists the existing problems, and analyzes the reasons of these problems from the two aspects of the bank's internal and external factors. Chapter Four constructs the enterprise financial analysis model in GF bank credit management through reengineering process of the enterprise financial analysis, selecting the key factors of financial analysis and improving the financial analysis model. Chapter Five implements the enterprise financial analysis model constructed in Chapter Four in the process, content and analysis model, and analyzes the security factors in the implementation. Chapter Six has carried on the summary to this paper. And it comes to conclusion that this model can improve the current enterprise financial analysis in GF bank. At the same time, the deficiencies of this paper are summarized.
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