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当前,很多银行的主要任务是降低不良资产的占用,预防并解决银行的信贷风险。信贷企业的经营效益与银行的资产质量存在直接关系,企业经营效益的好坏影响银行资产质量的高低,很多银行在评价企业经营效益的指标时,只注重分析企业的经营利润,忽视企业的现金流量。对此,银行应重视信贷企业的贷款质量,密切关注信贷企业现金流量的分析,真正了解信贷企业偿还债务的能力。本文笔者重点阐述企业现金流量的分析的必要性,分析现金流量在银行信贷风险管理中的应用情况。
At present, the main task of many banks is to reduce the occupation of non-performing assets and to prevent and solve the bank’s credit risk. The operating efficiency of a credit enterprise is directly related to the quality of the assets of the bank. The quality of the bank’s assets affects the quality of the bank’s assets. Many banks, in assessing the indicators of a company’s operating profit, only focus on analyzing the operating profit of the enterprise and neglect the cash of the enterprise flow. In this regard, banks should attach importance to the quality of credit loans of enterprises, pay close attention to the analysis of the cash flow of credit enterprises, a real understanding of the ability of credit enterprises to repay their debts. The author of this article focuses on the necessity of analyzing the cash flow of enterprises and analyzes the application of cash flow in the management of bank credit risk.