Financial Analysis And Improvement Of JL Bank Binjiang Branch Based On Harvard Framework

Since the establishment of my country's first urban credit cooperative in 1979,urban commercial banks have also gone through nearly 40 years of development.At present,the international economic and financial situation is complicated and changeable,the trend of globalization and undercurrent of trade protectionism is surging,and my country's economy has shifted from a stage of rapid growth to a stage of high-quality development.Faced with brand-new development opportunities and challenges,city commercial banks need to move with the trend,follow the trend,face the difficulties,take the initiative,and steadily realize the transformation to high-quality development.The Harvard Framework provides an in-depth,three-dimensional,and comprehensive analysis of the company's financial situation through four perspectives: strategy,accounting,finance,and prospect analysis,which further shows the company's future development potential and operating status,making up for the simple analysis of the previous financial analysis.The table only focuses on the shortcomings of the analysis of accounting figures.JL Bank,as a leader in city commercial banks,its business status and future development prospects are all models of city commercial banks.Therefore,this article takes the city commercial bank as the foothold,takes the JL Bank Binjiang Branch as the research object,and uses the Harvard framework to conduct financial analysis.On the basis of reviewing the domestic and international research status and related theories,this article first introduces the current status of financial analysis of JL Bank Binjiang Branch;and then uses the strategic analysis of JL Bank Binjiang Branch as a logical entry point to introduce the current status of the banking industry.Binjiang Branch conducted a PEST external environment analysis and SWOT strategic analysis to determine the risks it is currently facing;then made a comprehensive accounting,financial and prospect analysis of the sub-branch,especially financial analysis,which is the focus of this article,detailed The trend and structure of the branch's balance sheet,profit statement,cash flow statement and related financial ratios were analyzed;finally,based on the previous analysis,the problems in the financial analysis of JL Bank Binjiang Branch were summarized: strategic planning is not Perfection,lack of planning,poor accounting analysis and high non-performing loan ratio;poor financial structure,intermediate business needs to be strengthened;prospective development has no characteristics,and the risk resistance is weak.And put forward relevant improvement suggestions according to the diagnosis results,including: playing the role of strategic planning;improving the credit evaluation system of loans;optimizing the financial structure of the bank;advocating the development of diversified business.The study of JL Bank Binjiang Branch through the Harvard Framework not only made a specific analysis of the bank's problems,proposed corresponding countermeasures,but also provides reference for the future development of other city commercial banks,and gives ideas and inspiration.