基于哈佛框架下招商银行的财务分析-财务管理-毕业论文.docx

摘 要 伴随着改革开放的深入和市场经济的迅速发展，我国商业银行发生了较大的变化，尤其是在市场领域和相关政策方面，例如经济金融和银行监管的国际化，增强的资本约束，大幅提升的直接融资等，市场在其利率化过程中越来越快。针对这种情况，商业银行必须对经营战略和结构加快调整，扩大中间业务和银行零售业务规模，找到新的领域进行发展以提高利润，这样才能保持健康发展。长久以来，在商业银行经营中始终存在贷款“垒大户”风险，该风险也一直未能得到妥善解决。自今年起，我国直接加快融资速度，短期融资方式迅速发展，这极大冲击了银行拥有贷款业务和大型优质客户。只有加快调整业务战略和结构，大力发展中介业务和银行零售业务，开辟新的领域和利润增长点，商业银行才能继续健康发展。 在国民经济的整个发展过程中，商业扮演着十分重要的角色，并且对我国的金融体系来说也至关重要。因此，商业银行就不再是一个独立的个体，其经营的好坏对我国整个国民经济的健康发展极其重要。本文通过哈佛框架分析法，结合招商银行的特点和市场的发展需求，研究招商银行作为一家商业银行的财务分析，总结发展经验、分析影响因素并提出相应对策，以期能够对商业银行控制财务问题和持续健康发展提供一些有益的借鉴。 关键词：财务分析；哈佛框架；招商银行 ABSTRACT With the deepening of reform and opening up and the rapid development of the market economy, major changes have taken place in Chinas commercial banks, especially in the field of markets and related policies, such as the internationalization of economic finance and bank supervision, enhanced capital constraints, and substantial improvements Direct financing, etc., the market is getting faster and faster in the process of its interest rate. In response to this situation, commercial banks must speed up the adjustment of business strategies and structures, expand the scale of intermediate business and bank retail business, and find new areas for development to increase profits, so as to maintain healthy development. For a long time, there has always been the risk of big clients in the operation of commercial banks, and this risk has not been properly resolved. Since this year, China has directly accelerated its financing and the rapid development of short-term financing has greatly impacted the bank ’s loan business and large-scale high-quality customers. Only by accelerating the adjustment of business strategy and structure, vigorously developing intermediary business and bank retail business, and opening up new areas and profit growth points can commercial banks continue to develop healthily. In the entire development process of the national economy, commerce plays a very important role, and is also very important to Chinas financi