The purpose of loan credit analysis of commercial banks

First, the purpose of commercial bank loan credit analysis

The purpose is to prevent the risks that banks may encounter in the process of issuing loans and ensure the safe and timely withdrawal of bank operating funds. It mainly includes two aspects: 1, credit risk assessment. That is, through the systematic analysis of the borrower's quality, business ability, loan purpose, loan amount, source of repayment funds, repayment time and collateral quality, we can decide whether to lend, loan amount and loan conditions, and control the loan scale and structure of the whole bank accordingly. 2. Financial analysis. That is, through the analysis of the balance sheet, income statement, statement of changes in financial position (or cash flow statement) and other schedules of the borrowing enterprise, we can accurately grasp the liquidity ratio (including current ratio, quick ratio, cash ratio, accounts receivable turnover rate and deposit-loan turnover rate) and leverage ratio (including debt capital ratio, interest expense return rate, fixed expense return rate, net fixed assets and net capital value) of the borrowing enterprise.

2. What information do I need to go to the People's Bank to inquire about the enterprise credit report?

List of inquiry materials for enterprise credit report

I. Inquiries of the legal person himself

1. Legal person's valid ID? (Original 1 copy)

2. Business license? (Original 1 copy)

3. Institution credit code certificate? (original 1 copy)? Ensure that the name on the business license is consistent with the name on the credit code certificate of the institution.

4. Seal up relevant materials.

2. Manager query: Including the above information, the following information is required.

1, valid identity certificate of the agent (original 1)

2, the legal representative of the enterprise authorization certificate

Extended data:

Enterprise credit report is one of the main credit products provided by enterprise credit information system, which provides comprehensive and accurate enterprise credit information for inquirers, provides important decision-making reference for various credit transactions, and reduces unnecessary credit risks and losses.

At present, the external service modes of enterprise credit report inquiry include online inquiry and offline inquiry. The content of credit report is mainly divided into three types of information: basic information, credit information and non-bank information.

Basic information mainly includes general information, investor information, financial statement information, concern information, litigation information, etc. Credit information includes outstanding credit information, outstanding bad debts and other bank credit information; Non-bank information includes provident fund, telecommunications, social security and other information.

Enterprise credit report, also known as enterprise credit report and enterprise credit investigation report, is a kind of credit products. The report mainly lists the credit information that can judge the ability and willingness of enterprises to perform contracts and repay debts. The author of the report made a clear analysis of the information and gave some suggestions on business transactions.

3. How do commercial banks conduct credit analysis on loan enterprises?

The most important thing is to analyze according to the financial statements. Such as profit, liabilities, inventory turnover rate, etc.

Four, commercial banks how to credit analysis of corporate loans, mainly financial statement analysis.

You seem to be asking two questions: (1) Credit analysis mainly depends on the corporate credit information system of the People's Bank of China to see if there are overdue non-performing loans; (2) Financial report analysis, based on real statements. It mainly depends on your income and debt ratio. The debt ratio is too high. Then there is whether the cash flow statement is normal.