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降低不良贷款的途径:一是预防其产生;二是产生后的处理。本文就是从财务管理的角度介绍预防不良贷款的分析方法。商业银行在贷款发放前后通过分析借款人的财务报表和与偿债能力有关的财务比率,可以科学地判断贷款的安全程度。
Ways to reduce the non-performing loans: First, to prevent its generation; Second, after the treatment. This article is from the perspective of financial management to introduce non-performing loans to prevent analysis. Before and after the loan is issued, the commercial bank can scientifically determine the safety of the loan by analyzing the financial statements of the borrower and the financial ratio related to solvency.