Financial Analysis Of G Rural Commercial Bank Based On Harvard Analysis Framework

With the development of economy,many commercial Banks have been established in recent years.For some of the small and medium-sized Banks are faced with opportunities and challenges.These commercial Banks begin to focus on their self-requirement financial analysis,so it is important to complete a financial analysis framework.China's recent improvement of the financial market has led to a growing demand for Banks.At the same time,Chinese Banks are in a transitional period of development,which also provides a development opportunity for small and medium-sized Banks.As the second bank in H province,G rural Commercial Bank was formed by the merger of g urban credit cooperative association and g Datong district credit cooperative.Its restructuring was completed in 2014.Its financial analysis and development characteristics are very typical.In addition to the traditional financial analysis based on the establishment of the enterprise financial statement data,the enterprise's financial status and operating results of the analysis and evaluation,the enterprise's past and present situation analysis.The paper also mainly based on the harvard analysis framework,which includes the analysis of financial data,strategic management,operational risk,accounting policy,future development prospect and so on.So to those medium-sized Banks,based on analysis of harvard under the framework of financial analysis will expand and deepen the traditional financial analysis,this avoids the traditional financial analysis due to report the data itself may not lead to the results of the analysis accuracy.This paper is divided into four parts: Therefore,based on the harvard analysis framework and the characteristics of the financial analysis of the banking industry,the operation and development of G bank was studied.This paper not only makes a specific analysis of the existing problems of G bank and puts forward corresponding countermeasures,but also provides a reference for the future development of other small and medium-sized Banks and provides relevant ideas and inspirations.The developing prospects of agribusiness to G bank to predict the results showed that: G Rural Commercial Bank strategic planning is imperfect,there is a poor assets quality of credit assets management efficiency low income structure of a single risk control ability,conservative business development model,the Internet business development imbalance problems such as the last paper in view of the problems found in financial status of the relevant optimization Suggestions,in order to help G Rural Commercial Bank realize the benign sustainable development.