An Analysis Of The Performance Of Our State-Owned Commercial Banks

The state-owned commercial banks are the mainest ingredient of our country financial system, which are controlling most finance resource in our country financial system, and are bringing the effect carrying weight into play in national economic development. As our country banking core pillar, very important effect of state-owned our country commercial banks achievement effect level not only the health being related to entire bank system directly operates and develops , but also the operation to entire macro-economy of country has effect. Reform of the banking system is always the focal point being doubly paid close attention to, but carrying out an integrated reform on state-owned commercial banks according to modern enterprise system is to close finance stability and the economic growth prospect.The main body of this thesis is adopt to determine the nature studying and determining the amounts of the components of a substance studying the method being tied in wedlock each other, a little what business performance changes and the share changes by the fact that general qualitative analysis method and state-owned commercial bank of large amount of data analysis, our country stock system reform the front and back's gets achievement; Make use of history data , analyses by the fact that the Shan factor runs quickly with great ease to reach the state-owned commercial bank in recent years population achievement effect general situation, the achievement that the scholar studies again combine in the homeland builds index system and makes use of factor analysis law, to state-owned commercial bank of our country at present achievement effect situation carries out the analysis comparing and being summed up as , analyses and the cause producing problem , resolve and the problem tentative plan bringing forward a few ultimately.The first, stock right structure is to affect the state-owned commercial bank manage achievement effect key factor , demonstration indicate, business efficiency has got obvious rise after the state-owned commercial bank share switches over to be listed, various financial targets has had comparatively by a wide margin improvement , some aspect has exceeded the in the homeland stock system commercial bank. The general conclusion joint-equity banks but better than being bank competition appear in the market before this , general joint-equity banks better than that state-owned commercial bank; The state-owned commercial banks have demonstrated secondly, the uneconomic characteristic of scale , have belong to the rough type basically manage, the state-owned commercial bank stores upper general all very ample, but per capita loan scale create profit aspect commercial banks all not as less as scale such as level , per capita cost , business .To exhibition ability in general scale of assets , the profit total; Third, state-owned commercial bank non-performing loan rates follow several years but finish continuing to be in the ceaseless decrease, the silver has supervised and the standard that the bureau demands also in having reached the country equally at the end of 2006 , state-owned commercial bank non-performing loan number population scale has affected but state banks'business efficiency and the finance stability still very big , grave before 2005.State-owned commercial bank of lifting managing the achievement effect sets about from five the following aspect:First, optimize stock right structure gradually; Second, reinforce strategy guiding business , improve a bank gaining a profit of structure pattern; Third, make great efforts to resolve bad assets , the non-performing loan reducing state banks further; Fourth, cut down scale , realize scale economy; Fifth, optimize human resources structure.Place of main innovation lies in the main body of this thesis: First, moving downwards in new background to state-owned commercial bank manage achievement effect problem has carried out analysis: The stock system being in progress to be a state-owned commercial bank in numerous and confused provision is reformed and is appear in the market, notable lifting of competition;Second, On the basis now having research result combining with home and abroad, wield the method measuring and counting , pass comparison and induction, much angle (shares spend analysis , are able to further deep , clearly understand thereby to change front and back achievement effect history direction contrast, and the transverse direction contrast go along now having the achievement effect and to synthesize the achievement effect factor to analyses) the quantization being in progress to state-owned commercial bank achievement effect and determine the nature field acquaintance our country state-owned commercial bank share change the day after tomorrow achievement effect status; Third, has followed the deficiency adopt intersecting surface data analysis in practice specifically for factor analysis , the author has passed to 2003-2006 annual 12 sample book banks factor analysis for 4 years , has carried out dynamic comparative analysis on state banks , has made up analytical deficiency of static state.