The Research On The Performance Evaluation Of Chinese Commercial Banks

Along with the economic globalization and financial internationalization push forward continuously, and the financial system reform of our country goes deep into continuously, our country banking not only faces vehemence of local competition, but also the foreign capital banks pass various situations to rob the stand of our country's market quickly and launch the fierce competition with local commercial banks. If each commercial bank of our country can't improve respective competitive ability and the performance of the management as soon as possible, its normal existence and good development will be faced a lot of problems, and some serious problems that can impact the financial stability and even overall economic development may appear. Therefore, it undoubtedly has sizeable academic and practical value that to carry on objective, overall analysis and appraisal to the present performance state of the commercial banks in our country and make the effective tactics that can promote their competition ability.Firstly, the text introduces the general theories of the bank's performance, and elaborates the basic concept and functions of the bank performance, makes clear the particularity of the commercial evaluation of the bank's performance. besides author makes reviews and simple comments on the analytical method about the bank's performance by scholars from China and abroad. These have offered theory support for the positive study of ensuing chapters. Then, on basis of referencing the present research results from domestic and international authoritative organizations and scholars, this paper designs one set of evaluating index system which is much more practical and scientific.Secondly, this paper takes 4 state-owned and 10 joint-stock commercial banks of our country as research objects, acquires the index sign value of each evaluation index sign according to the annual report data of each bank in 2004, studies the compositive performance of the commercial bank by factor-analysis methodology. The conclusion indicates that the compositive performance of our state-owned commercial banks is lower than the joint-stock commercial banks. at the same time, the author analyzes the main reason which appeared this kind of result.Thirdly, according to these comparison and analysis, The development of the our country commercial bank is very rapidity. But, the joint-stock commercial banks of our country appear the stronger advantage then state-owned, such as scale performance, the scope of the management business, profit ability, the ability of innovation and development...etc. our national commercial banks compare with the commercial banks of developed countries, in these aspect, domestic banking fall behind, all of these seriously affect the exaltation of our national commercial banks' performance.Finally, according to the main factors which affect the level of commercial banks' performances, this text puts forward own suggestion and countermeasures, hoping to contribute to the development of the commercial banks' performance of our country.