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随着社会的发展和信贷工作的普遍,为方便工作的进行,财务报表分析技术逐渐应用于商业银行的信贷工作。财务报表分析对于商业银行信贷工作有重要的作用和影响。能够对企业的还债能力、信用情况进行分析判断,为商业银行的信贷提供可靠的依据。降低商业银行信贷工作风险的产生,提高工作效率,促进商业银行信贷工作的发展。
With the development of society and the general credit work, in order to facilitate the work, financial statements analysis technology is gradually applied to the credit work of commercial banks. Analysis of financial statements for commercial banks credit work has an important role and influence. It can analyze and judge the company’s debt-paying ability and credit status, and provide a reliable basis for the credit of commercial banks. Reduce the credit risk of commercial banks to produce, improve work efficiency and promote the development of commercial bank credit.