The Empirical Research On Performance Efficiency Of The Listed Commercial Banks In China

Financial situation in the national economy plays an important position is the core of modern economy and pillars.Financial system, commercial banks are the most important component plays a central role in the economy. With the full liberalization of China's banking sector, the domestic commercial banks not only face fierce competition among the same industry, but also the face of strong foreign challenge to commercial banks,which makes the Chinese commercial banks face greater challenges and tests.In this highly competitive environment, the commercial banks to improve business performance, competitiveness imperative.This selection of 14 listed commercial banks as the research sample, and using factor analysis method to evaluate the operating performance of listed commercial banks, and then these 14 banks according to their historical background is divided into state-owned commercial banks, joint-stock commercial banks and city commercial banks three categories, comparative analysis using correspondence analysis, three types of integrated management of commercial banks, profitability, growth capacity, safety, liquidity and overall performance. Based on this proposed commercial banks to improve business performance measures and suggestions.This article listed commercial banks for Empirical study is divided into six sections. First, this paper describes the background and significance, research and innovation where the content and methods.Then on the domestic and international performance evaluation theory and evaluation methods from both a literature review.Fully review the background theory, based on the listed commercial banks and integrated assessment of the performance characteristics and requirements, from a profitability, liquidity, security and growth in four aspects of a set of evaluation index system constructed by using factor analysis to calculate the the five commercial banks operating performance factor scores and composite score,on the business performance of listed commercial banks to conduct an empirical analysis.According to the results of factor analysis will be listed commercial banks in China are divided into state-owned commercial banks, joint-stock commercial banks and city commercial banks into three categories, using correspondence analysis were compared.According to the results of empirical analysis, the actual situation in our country, make commercial banks to improve business performance measures and suggestions.Property rights reform of state-owned commercial bank, organizational structure, asset quality, strengthen the reform of human resources, improve operational performance;joint-stock commercial banks should strengthen their cost management, improve capital adequacy, market position and reasonable manner, to improve business performance;City Business Banks should develop "a small, doing fine" strategy mode, increase business innovation, further improve operating performance.This objective evaluation of the 14 listed commercial banks operating performance, and found a Chinese commercial bank in the course of business for certain deficiencies, which commercial banks in the fierce competitive environment for the development of important guiding significance.