The Comparison On The Financial Performance And The Analysis Of Influencing Factors Of The Commercial Banks In China

Commercial banks are the principal parts of our finance industry, and the operation performance not only relates to the health operation and development of the bank system itself, but also has an important affect on the run of the whole nation's macro economy. Whether commercial banks operate safely and steadily, it plays a great role in the country economy. Recently, many of the commercial banks have strypped-down in China, and stocked-banks are rushing out increasingly as the main complementarity of the domestic banks. Being the member of WTO, our financial market has been opening gradually, and the banks are facing to the great challenge. Commercial banks not only compete with the domestic banks inside, but also deal with the powerful oversea bank outside. In terms of the competitive financial environment, it is essential to improve the commercial banks'performance and rise the self-competition to avoiding the financial risk and obtaining survival and development. Under such condition, it is more important to compare the financial performance of commercial banks and analyze the influencing factors.The second chapter of the paper is the current statement about the commercial banks at home and abroad, as well as the problems on domestic commercial banks. In the third chapter, it is the simple definition of the performance commercial banks, and analyzes the micro, madhyamaka and macro factors which influence our commercial banks. In the fourth chapter, taking the ICBC,CBC, BOC,CCB, CMB, CITIC,CIB,HXB,SPDB,SDB,CMBC 11 representative banks in all as examples, the paper analyses with the saving amount, loan amount, total assets, shareholder's equity, ROE, ROD, ROA this 7 financial targets. In the fifth chapter, it shows demonstration analysis which affect our financial performance factor of commercial banks, and makes sure these related factors and the influencing degree. A deep measure discussion on enhancing performance of commercial banks is following on that basis. According to the demonstration analysis, this paper finds that, The bank size affects the performance greatly, while operational efficiency has no impact, and asset management has some influence, but not much.