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商业银行信用风险的贷前防范对银行信用风险管理至关重要。本文从正确选择贷款企业 ;深入分析行业风险 ,动态地调整银行贷款在各行业中的合理布局比例 ;透彻研究企业财务报表 ,分析其中蕴涵的会计风险 ;深入分析企业内部关键技术和管理问题等五个方面探讨了降低商业银行信用风险的贷前分析方法。
The pre-credit precaution of commercial bank credit risk is very important for bank credit risk management. This article from the correct choice of the loan business; in-depth analysis of industry risk, dynamically adjust the proportion of bank loans in various sectors of the rational layout; thorough study of corporate financial statements, analysis of the implication of accounting risk; in-depth analysis of key internal technologies and management issues such as five On the one hand, it discusses the pre-loan analysis method to reduce the credit risk of commercial banks.