The Improve Research Of Lanzhou Bank On Product Strategies Based On The Financial Analysis

With the refinement and scientization of the modern enterprise’s operation and management,financial analysis has more important significance for improving such level for its comprehensive and real performance.Financial analysis is the process of systematic analysis and evaluate the financial situation of enterprises,operating results and cash flow status which based on financial statements and other data.Financial analysis is not only the summary of a past business activities,but also the premise of financial forecasting.Scientific and reasonable analysis of enterprise financial indicators can not only provide decision-making basis for enterprise operation and development,but also play a positive role in improving the enterprise’s management ability and achieving the enterprise’s business objectives.As the first joint-stock commercial bank witch has the legal personality in Gansu province,Bank of Lanzhou has become a regional city commercial bank with certain scale,steady operation and standard governance after 20 years of development.As one of the largest urban commercial banks among the largest assets in northwest China,Bank of Lanzhou continuously explores the development direction of the bank and improves its continuous operation ability and profitability.Faced with the further deepening of the reform of the market economy,the rapid development of Internet finance and the continuous improvement of the opening up of the financial industry,Bank of Lanzhou has always adhered to the principle of problem-oriented,and continuously improved the level of operation and management and the core competitiveness of bank products,providing a strong guarantee for the sustained and steady development of Bank of LanzhouThis thesis focuses on issues related to Bank of Lanzhou’s financial indicators and product strategies.With the consolidation and analysis of the financial data of Bank of Lanzhou for 4 consecutive years from 2014 to 2017,and by using the financial data of 2017,this paper makes a horizontal comparative analysis with Bank of Beijing,Bank of Nanjing,Bank of Guiyang and Bank of Chengdu.and take the data as starting point which combined with the actual work,this thesis found problems in product strategy of Bank of Lanzhou and analysis the reasons deeply.In such situation,this thesis put forward targeted,feasible and effective measures in order to provide reasonable advice for the bank’s rapid and sustainable development.The thesis takes Bank of Lanzhou as a research case,concretes the research offinancial analysis and product strategy to the banking industry,combines its own working platform with the research of the dissertation,puts forward the research conclusions in a targeted way,and enriches the relevant theories of finance and marketing.This has a certain theoretical significance,and also guides the work practice to a certain extent.It has certain practical significance for Bank of Lanzhou’s processing of product strategy and marketing management as same to the banking industry.