China Commercial Bank Performance Evaluation System

The normal performance evaluation system for the common enterprise is by no means adaptable for the commercial bank as result of its distinctive business, Asses-Liability Structure. In the recent year, our state has clarify the financial enterprise for the commercial bank and issue a series of performance evaluation systems, which is assume the supervisors and banking management as the major plays. It is unpractical for the vast social investor with regard to the systems. With the acceleration of being listed of commercial bank and continual opening of financial domestic market, it is imperative to set up a performance evaluation system of the commercial banks for the social investors. For the above-mentioned reasons, the article would mainly focus on performance evaluation system of the commercial banks, on the basis of which in-depth analysis would be carefully on the subject of performance evaluation, index selection, model establishment and performance evaluation standard. It is expected that more thinking solution would be combed out in the existing analysis.In the first place, discussion would be the nature of the commercial bank, the idea of performance evaluation system and make the distinction. Later, the article would trace back the historical evolution of performance evaluation systems on the hope of learning theoretical analysis and practical result of foreign performance evaluation system. By the analysis of Western theoretical circles and existing performance evaluation system both home and abroad on the hope of offering new thinking suggestions for the establishment of the performance evaluation system.Then from the analysis of operational nature of the commercial bank, the article would design framework for the performance evaluation system of the commercial bank, and select the performance evaluation index and the way of evaluation for the commercial bank on the part of the investorsTo further analyze the establishment of performance evaluation system, the article set up performance evaluation model of the commercial bank on the basis of eleven commercial banks' three years financial data by factor analysis method, furthermore use the performance evaluation model to evaluate the eleven commercial banks. Afterwards the article would focus on the concept of standard bank by visualizing average standard of banks' data to finalize the performance evaluation standard. It is by this way to consolidate the practical usage of the model.Finally, the article would be in discussion of the suitability and limitedness of the model, and suggest the investors to take more national comprehensive factor in terms of the influences to the whole banking performance after the focus the foundation section of the banking sectors. It is in this way more sensible solution would come out.