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商业银行的经营管理，首先是决策管理。正确的决策必须建立在大量搜集、整理、加工和 运用各方面有关信息的基础之上。贷款作为商业银行的主营业务，是银行取得利润的主要途径， 因此，合理分析贷款投向。及时防范贷款风险是银行信贷决策的重要内容。本文从贷款管理及其 决策过程入手，介绍了贷款决策分析方法，并以现金流量为例详细讨论了在贷款决策分析过程中 采用的预测算法。同时对使用效果作了评价。
The management of commercial banks, first of all, decision-making management. Correct decision-making must be based on a great deal of relevant information collected, collated, processed and applied. Loans, as the main business of commercial banks, is the main way for banks to make profits. Therefore, a reasonable analysis of loan orientation is made. The timely prevention of loan risks is an important part of bank credit decision-making. This article starts with the loan management and its decision-making process, introduces the loan decision analysis method, and discusses in detail the forecasting algorithm used in the loan decision analysis process taking the cash flow as an example. At the same time made a comment on the effect of use.