Research On Credit Decision Of HD Project Based On Harvard Analysis Framework

Economic development cannot leave the support of commercial bank credit business,the steady growth of social economy,the development of commercial Banks has created a lot of demand for loans and the good development opportunities,and commercial Banks has long insisted that the steady credit policy,pay attention to guard against credit risk from the source,and promote the steady and rapid development of the real economy.National industrial policy is the commander of the real economy development,commercial Banks in the attached to the entity economic survival environment,doomed to separate the country industrial policy,commercial Banks only in connection with the development of the real economy at the same time,the response country industrial policy,a reasonable and orderly development,to grasp the business opportunities in a rapidly changing market economy activities,reduce the credit risk.The continuous and steady development of commercial Banks requires a continuous and good normal operation,which minimizes the possible credit risks in the operation,so as to gain the trust and recognition of customers.How to control the credit scale,reduce the credit risk,how to properly assess the financial situation of the loan enterprise becomes an urgent problem to be solved.Using the harvard analytical framework and comparing the traditional methods of financial analysis,we found a more objective scientific method to evaluate the financial situation of enterprises,taking HD project as an example and analyzing it.By harvard analysis framework of strategic analysis,accounting analysis,financial analysis and the analysis of the prospects for the research to make credit decisions for HD project,using PEST analysis and SWOT analysis of strategic analysis,a comprehensive comparison of financial analysis to enterprise's solvency,profitability,operating and development four aspects of the ability to carry on the four dimensions of study and prospect analysis method commonly used in the original on the basis of the simple weighted average method,choose the entropy weight method with more objective quantitative analysis to enterprise's development,effectively avoid the subjectivity of the original simple weighted average may exist the disadvantages of the strong.An analysis of the joint and several guarantee other investment guarantor again,makes every effort to reduce the HD project possible credit risk,and afterwards control of credit risk of the project,give the rationalization suggestion for the commercial bank credit scheme.The purpose of this paper is to provide a new direction for commercial bank credit decisions,and it also hopes to be a reference for commercial Banks in the process of credit analysis of other projects.Choose harvard analysis framework to analyze credit has more advantages,and puts forward in the future credit decision analysis,before the report data analysis to industry analysis,standing in the Angle of macroscopic strategic considerations,analysis should focus on the solvency of the enterprise,in order to reduce the credit risk.