| ACKNOWLEDGEMENTS | 第4-5页 |
| ABSTRACT | 第5页 |
| 摘要 | 第6-13页 |
| Chapter Ⅰ Introduction | 第13-16页 |
| 1.1 Research background and purpose | 第13页 |
| 1.2 Research method and framework | 第13-14页 |
| 1.3 Innovation point | 第14页 |
| 1.4 Research deficiencies | 第14-16页 |
| Chapter Ⅱ Literature review | 第16-26页 |
| 2.1 Related theories of bank credit risk approval | 第16-20页 |
| 2.1.1 Concept of bank credit extension risk | 第16页 |
| 2.1.2 Concept of bank credit risk approval and related contents | 第16-17页 |
| 2.1.3 The role of bank credit risk approval | 第17-20页 |
| 2.2 Study on the credit risk management based on the financial analysis | 第20-21页 |
| 2.3 Commercial banks financial statement analysis working process of the credit approval | 第21-22页 |
| 2.4 Characteristics of the financial analysis in bank credit approval | 第22-23页 |
| 2.5 Study on Harvard Analytical Framework | 第23-26页 |
| Chapter Ⅲ Disadvantages of commercial banks credit approval | 第26-32页 |
| 3.1 Problems of the loan enterprise financial statements analysis | 第26-27页 |
| 3.2 Problems in the financial statements data | 第27-30页 |
| 3.3 Different qualities of commercial banks credit approval employees | 第30-32页 |
| Chapter Ⅳ Credit approval financial analysis system improvement under theHarvard Analytical Framework | 第32-39页 |
| 4.1 Strategic analysis | 第32-34页 |
| 4.2 Accounting analysis | 第34-35页 |
| 4.3 Financial analysis | 第35-36页 |
| 4.4 Prospect analysis | 第36-39页 |
| Chapter Ⅴ Case study about company financial analysis under the Harvard Analytical Framework in credit approval | 第39-63页 |
| 5.1 Strategic analysis of ZX | 第39-44页 |
| 5.1.1 Analysis of the development strategy of ZX | 第39-40页 |
| 5.1.2 Present profit driving factor of ZX | 第40-42页 |
| 5.1.3 Enterprise business risk analysis | 第42-44页 |
| 5.2 Accounting analysis | 第44-53页 |
| 5.2.1 Sales income and profit margin | 第44-46页 |
| 5.2.2 Key accounting factors analysis | 第46-53页 |
| 5.3 Financial analysis | 第53-61页 |
| 5.3.1 Vertical comparison of the financial conditions | 第53-55页 |
| 5.3.2 Comparison of the profits of ZX | 第55-57页 |
| 5.3.3 Ratio analysis | 第57-59页 |
| 5.3.4 Cash flow analysis | 第59-61页 |
| 5.4 Prospect analysis | 第61-63页 |
| 5.4.1 Qualitative analysis | 第61-62页 |
| 5.4.2 Quantitative analysis | 第62-63页 |
| Chapter Ⅵ Conclusion | 第63-67页 |
| 6.1 Research conclusions | 第63-64页 |
| 6.2 Specific recommendations of credit approval under the Harvard framework | 第64-67页 |
| REFERENCES | 第67-69页 |
