Based On EVA's Chinese Commercial Banks Performance Evaluation And Influence Factors

Facing uncertain factors of today's economy environment and finance industry, Chinese commercial banks have to be sober about the roots of the problems and know the advantages of bank-self, then we can control and lower the risk of bank operation while the enhancing of the competitive force of bank. So how to evaluate the performance of the commercial bank is the basic job we will do. In current developing stage of Chinese commercial banks, the being used rapid expansion mode of pursuit of huge size and high-speed is changing now to capital rationing,risk controlling,good quality of asset and profit etc, ie the intensional-developing mode. and banks'value maximization is the target of banks'management,which has been the consensus among shareholder,management of banks and operators of banks. So how to build the bank's evaluation system,how to drive the banks to set up the new target and how to lead the action of the manager of banks to the way of pursuit of the banks value maximization, which is the task we will settle.This article is focusing on bank evaluation system with EVA method and analyzing the aspects that affect this evaluation system. based on the data from 13 commercial banks,then through assistance of the software Spssll.5, build a model that the factors of EVA as the dependent variances and total assets, cost of revenues, capital adequacy ratio, non-interest income and loan-deposit ratio as in dependent variances to find what affect the EVA. then put forward the method how to improve the banks'performance. in the meantime, put forward a incentive system, which is based on EVA.The points of inovation of this papera. Based on the actual situation and enviroment of Chinese commercial banks, author does the adjustment according to the common EVA model and build the model which is much better fitful to the industry of Chinese commercial banks.b. Based on the data collected from the banks listed, through the statistical analysis method, author is wor\king on the job about the factors which can influence the EVA of commercial bank, which is providing the scientific evidence for promoting the performance of Chinese commercial banks.