11AcomparativeanalysisofthefinancebetweenBankofHangzhouandBankofNingbo杭州银行与宁波银行财务对比分析摘要：我国城市商业银行在经历30多年的发展扩张之后，逐渐成为我国银行业的不可或缺的组成部分。并且因为其体量小灵活变通，而被誉为我国银行业中最具生机的机构之一。就其现状来看，城市商业银行打破了国有银行的垄断地位，在促进民营企业和小微企业发展、开展服务国家区域战略改革、进行服务地方经济转型升级工作、优化和改善金融服务、开展普惠金融、创新资本工具、服务实体经济等许多方面，都发挥着举足轻重的作用。随着金融脱媒、利率市场化和互联网金融的深入开展,对我国商业银行的盈利能力产生深刻的影响。本文在运用战略分析的基础上，结合会计报表分析及主要财务指标分析评价杭州银行与宁波银行发展的现状，并寻求发展的机遇，提出可行的建议。关键词：城市商业银行；利率市场化；战略分析；会计报表分析；财务指标分析中图分类号：F830.33.22AcomparativeanalysisofthefinancebetweenBankofHangzhouandBankofNingboAbstract:Aftermorethan30yearsofdevelopmentandexpansion,mycountry'scitycommercialbankshavegraduallybecomeanindispensablepartofmycountry'sbankingindustry.Andbecauseofitssmallsizeandflexibility,itishailedasoneofthemostvibrantinstitutionsinmycountry'sbankingindustry.Judgingfromitscurrentsituation,citycommercialbankshavebrokenthemonopolyofstate-ownedbanks,andarepromotingthedevelopmentofprivateenterprisesandsmallandmicroenterprises,carryingoutstrategicreformsinservingthecountry,carryingoutthetransformationandupgradingofservinglocaleconomies,optimizingandimprovingfinancialservices,andcarryingoutgeneralization.Benefitfinance,innovativecapitaltools,andservingtherealeconomy,etc.,allplayapivotalrole.Withthein-depthdevelopmentoffinancialdisintermediation,interestratemarketizationandInternetfinance,ithashadaprofoundimpactontheprofitabilityofmycountry'scommercialbanks.Basedontheuseofstrategicanalysis,thisarticlecombinestheanalysisofaccountingstatementsandtheanalysisofmainfinancialindicatorstoevaluatethedevelopmentstatusofBankofHangzhouandBankofNingbo,seekdevelopmentopportunities,andputforwardfeasiblesuggestions.Keywords:Citycommercialbank;interestratemarketization;strategicanalysis;accountingstatementanalysis;financialindexanalysisClassification:F830.33.33目次摘要................................................................................................................Ⅰ目次.................................................................................................................Ⅲ1绪论..............................................................11.1研究背景........................................................11.2研究意义........................................................21.3研究内容........................................................21.4文献综述........................................................22财务分析的理论与背景..............................................32.1财务分析的理论..................................................32.2财务分析的背景..................................................33战略分析..........................................................33.1波特五力分析....................................................43.2SWOT分析.......................................................44主要会计报表的比较分析............................................54.1资产负债表......................................................54.2利润表.........................................................164.3现金流...
