The Study Of Synthetical Evaluation About Performance Of Commercial Bank

It is a focus question of studying in recent years all the time to evaluate the business performance about commercial banks in our country. Every constituent element has been studied and discussed deeply, including: evaluating subject, evaluating content, evaluating indicator, evaluating criterion and evaluating method. Fixing the location of evaluating subject has direct influence on the setup of evaluating index, the selection of evaluating criterion and the application of evaluating method. I started to seek for the answer from the doctrine of modern enterprise and contractual relation of modern enterprise system, and localized the evaluating subject from relevant interest subjects, not only including shareholder, operator but also creditor. As to the evaluation of banking performance, another question that we must make clear is the evaluation content. Based on the compare with credit rating and valuation appraisal, the included content and problem need to be solved have been defined clearly.Firstly, I enunciated the relevant study about evaluation theories and methods at home and abroad, and in it the current systems of evaluation index have been emphasized, including: the internal measurement index of banking performance, the evaluation index about the wholly state-funded commercial banks, the risk rating about the joint-stock commercial banks, the rating index about commercial banks, and so on. Borrowing from these evaluation index systems, I constructed the evaluation index system about commercial banks of our country from four phases: for-profit, liquidity, security and growth.As to overall evaluating method, I choose two different counting methods: efficacy coefficient and factor analysis. The efficacy coefficient method has been propounded on the basis of multiple objectives programming theory, assuming that the value and the index data are linearly dependent. Using this method, we can run the assessment in quantities at the same time, which has strong usefulness. However, for the evaluation score has definite conclusive meaning, the determination of evaluation criterion must be deliberate. Based on the true value of evaluation indexes, the factor analysis method is to produce independent factor index by circumrotating coordinate to reduce the dimensions, construct functional express to evaluate with corresponding weighting, and then calculate the overall score of every assessed commercial bank. This method is highly scientific and has good precision. However, because of the limit of the number of sample banks, sometimes an evaluating conclusion beyond real facts is possible. Therefore, I adopt the two methods to evaluate the performance and efficiency of commercial banks separately, test the feasibility, draw a comparison, find the merits andfaults, and then reach the final conclusion. I just wish that the writing can provide a feasible thinking or quotable place for the study about performance evaluation of commercial banks.