Harbin Bank Financial Performance Evaluation Research

Banking is an important part of China's financial market.Efficient management of assets plays an important role in the development of banks and the steady development of national economy.With the development of Internet finance,third party payment and private lending,the development of the banking industry has been greatly affected.By the end of 2016,the net profit of domestic commercial banks was 9 trillion,2.4%,7.2 percentage points lower than that of the previous year,and the rate of capital profit was also reduced from 19.17% to 14.98% in 2014,and the overall profit decreased.City Commercial Bank is one of the components of China's financial market.It is a special group of Chinese banking.As a special type of bank,it has many problems such as heavy historical burden,limited operation area and insufficient market segmentation,and the financial situation of the bank is not enough.Therefore,it is important to carry out the financial performance evaluation of the bank.The thesis selects the Harbin bank as the evaluation subject,uses the camel rating system for reference,selects the core indexes from six aspects of the commercial banks,and combines the factor analysis method and the entropy method to build the comprehensive scoring model of the financial performance of commercial banks.22 listed commercial banks and Harbin banks are selected to get a comprehensive score of financial performance,and the comparison between Harbin bank and state-owned commercial banks,national joint-stock commercial banks and urban commercial banks is made.Compared with national joint-stock commercial banks and state-owned commercial banks,Harbin bank has a large gap in scale and profit level,and the management of asset risk is also the same.It is somewhat insufficient,but it performs better in the quality of loan assets.Compared with the similar commercial banks,though it is at a moderate level of development,it lacks in operation.Through the evaluation of the financial performance of the Bank of Harbin,some suggestions are put forward from strengthening the allocation of resources,improving the risk management and control,improving the management of business credit and the innovation ability of the financial business.In order to further improve the financial performance level of Harbin bank,the gap with other banks will be narrowed and the competitiveness of the banks will be enhanced.