---
name: bank-financial-analyzer-8d3a76128b02
description: 商业银行财务深度分析。分析个股银行（如招商银行、工商银行等）的财务报表，包括资产负债表、利润表、现金流量表核心指标。支持ROE/ROA分析、净息差、手续费收入占比、成本收入比等关键指标计算。使用同花顺iFinD API、Tushare Pro获取真实财报数据。适用于银行个股研究、投资决策、财务健康度评估。
---

# 商业银行财务分析器

## 功能

深度分析上市银行的财务状况：
- 资产负债表分析（总资产、存贷款规模、资本结构）
- 利润表分析（营收、净利润、收入结构）
- 现金流量分析（经营/投资/筹资现金流）
- 核心财务指标（ROE、ROA、NIM、成本收入比）
- 季度/年度对比分析
- 同业对比分析

## 数据源

- **同花顺iFinD API**: 实时行情、财务指标
- **Tushare Pro**: 详细财报数据（三大表）
- **AkShare**: 银行列表、基础数据

## 支持的银行

A股上市银行（42家）：
- 国有大行：工商银行、农业银行、中国银行、建设银行、交通银行、邮储银行
- 股份制银行：招商银行、兴业银行、浦发银行、中信银行、民生银行、光大银行、平安银行、华夏银行、浙商银行
- 城商行：北京银行、上海银行、江苏银行、南京银行、宁波银行等
- 农商行：渝农商行、沪农商行等

## 使用方法

### Python API

```python
from scripts.main import BankFinancialAnalyzer

analyzer = BankFinancialAnalyzer()

# 分析单家银行
result = analyzer.analyze_bank("招商银行")

# 对比多家银行
comparison = analyzer.compare_banks(["招商银行", "工商银行", "宁波银行"])

# 获取财务指标历史趋势
trend = analyzer.get_financial_trend("600036", metric="ROE", periods=8)
```

### CLI命令

```bash
# 分析单家银行
python scripts/main.py --bank "招商银行" --action analyze

# 对比多家银行
python scripts/main.py --banks "招商银行,工商银行,宁波银行" --action compare

# 查看ROE趋势
python scripts/main.py --code 600036 --action trend --metric ROE
```

## 核心指标

| 指标 | 计算公式 | 优秀标准 |
|------|----------|----------|
| ROE | 净利润/平均净资产 | >15% |
| ROA | 净利润/平均总资产 | >1% |
| 净息差(NIM) | 净利息收入/平均生息资产 | >2% |
| 成本收入比 | 业务及管理费/营业收入 | <35% |
| 非息收入占比 | 非利息收入/营业收入 | >30% |
| 每股净资产 | 净资产/总股本 | - |

## 依赖

- tushare >= 1.2.90
- akshare >= 1.10.0
- pandas >= 1.3.0
- numpy >= 1.21.0


---
Source attribution: aifinlab
Original project: https://github.com/aifinlab/FinClaw/blob/9e62862d1412157fa03ffd1f0b74969dcf0ed66c/skillsChoice/bank-suite/bank-financial-analyzer/SKILL.md
License: MIT
License information: https://opensource.org/license/mit
Original upstream instructions; downloaded from Mega AI Hub.

## Upstream license notice

MIT License

Copyright (c) 2026 FinClaw Project

Permission is hereby granted, free of charge, to any person obtaining a copy
of this software and associated documentation files (the "Software"), to deal
in the Software without restriction, including without limitation the rights
to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
copies of the Software, and to permit persons to whom the Software is
furnished to do so, subject to the following conditions:

The above copyright notice and this permission notice shall be included in all
copies or substantial portions of the Software.

THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
SOFTWARE.


# Mega AI Hub resource metadata

Creator / publisher: aifinlab
Original project: https://github.com/aifinlab/FinClaw/blob/9e62862d1412157fa03ffd1f0b74969dcf0ed66c/skillsChoice/bank-suite/bank-financial-analyzer/SKILL.md
Attribution basis: Source repository record

Fields of work: Finance & Accounting
Roles: Accountant, CFO / FP&A, Financial Analyst
Specialties: API
Tools: Akshare, 同花顺Ifind Api, Tushare Pro
Country applicability: Country not specified
Classification basis: Source catalog labels
Instruction SHA-256: 0a17ab574307ae59e37cb776b552e380f89b48e464330ca6806a9fb3c72d702f