Performance Of Commercial Banks Of Empirical Research

The banking is an important branch in national economy. As a finance center, a perfect and high-effect system is able to provide rapid payment system, collecting money that is set aside in one branch, and redistribute to another branch. Whether the bank is safe and stable is an important factor in national economy. Bank's performance has very important effect not only in its healthy operation and development, moreover the macro-economy operation to the entire country.At present, the problem of bank's performance has become the key point in finance system. High efficiency bank's operates is not only the necessity demands of the evolution process, but also the inevitable chosen for a developing country. As a country that is financing within source nature ,the mode of financing that entire national economy develops, can not only be dependent on acquiring from abroad ,but ought to depend on the accumulation that oneself develops give first place to, therefore ,the performance evaluation of domestic bank system become an important segment in entire financing.Therefore, this thesis tries to make beneficial investigation and discussion to bank's performance. Based on the combination of numeric and nonnumeric research, comparison and induction, the thesis analyses the differences between state-owned commercial banks and foreign banks on their performance and the cause of forming the problems, and then puts forward some solutions to improve the whole performance of state-owned commercial banks.The main structure of this thesis is as follows:Chapter one sets forth background, significance, content, method, advantage and disadvantage that the thesis studies mainly;Chapter two begins with the modern evaluation system for our commercial banks' performance, point out the problem of present valuation method, then using the foreign advanced experience for reference, and construct the comparatively perfect performance valuation system for commercial bank;Chapter three adopt solo-index analysis method first , four aspect sets off from the profitability , assets liquidity, assets safety and development ability , getting to the result of general situation of domestic bank and abroad bank after comparison. And then according to 12 indices mentioned above, the author adopts factor analysis, to get the overall evaluation result of twelve home and abroad commercial banks;Chapter Four presents the main reasons why the performance of state-owned commercial banks is generally far from being good foreign banks, which include not only low managerial level and low efficiency of management but also lack of innovation ability and human resource management;Chapter Five, aiming at the causes analyzed in the previous chapter presents the corresponding counter measures and suggestions, which include five major respects, namely, perfecting the management structure, raising operation ability, managing the risk, financial innovation and human resource management.