The Study On The Evaluation System Of Banks' Performance

On October 27,2005,China construction banks have listed in Hong Kong public, and with China's financial system reform and foreign Banks access system eased, foreign banks with their abundant capital, high-quality assets, flexible operation mechanism for comprehensive advantages after opening, the China banking enormous pressure. In 2007, America's subprime crisis caused a streak of global financial wind roar caused major global financial melts market turmoil, it also makes banking more into a global financial focus. At the same time, it also causes our country banking by its market competition environment has changed enormously. The bank is the core, banking financial safe and steady development of China's economic development and social stability has important influence. Therefore, how to strengthen the bank management and improve the management efficiency, in order to better bank of foreign Banks to the challenges and the influence of the subprime crisis in China's banking industry especially attention becomes.Bank performance evaluation can be found through the defect existing in the management, and then targeted to supplement, improve their own management work. The performance evaluation system of the bank, on the one hand we can improve the research performance evaluation theory, bank of the performance evaluation of bank help boost theory research, On the other hand can make bank of the performance evaluation system design more reasonable and more practical, so as to enhance their own business bank provide powerful tool. Meanwhile, the efficiency business efficiency can ensure resources disposition and the healthy and stable development of the bank.Our bank performance evaluation is divided into internal performance evaluation and external performance evaluation, internal performance evaluation is a bank the board asked the formulation and implementation of performance evaluation to managers, is the business performance evaluation and supervision; External performance evaluation of bank regulators including the performance evaluation and social evaluation of bank of civil institutions. This paper mainly by the bank's internal performance evaluation as the research object, by bank of the performance evaluation of current research at home and abroad as a logical starting point and introduces the related theory of the performance evaluation of foundation; With the development situation of the banking performance evaluation based on China's banking industry, summarizes the development of performance evaluation main methods and perfected, and draw the conclusion:the balanced scorecard and is the most superior performance evaluation method. On this basis, this paper analyzes the balanced scorecard on bank design and application, and put forward the two problems existing in use:1. The secondary index design unreasonable, regardless of the design, and part too subjective indicators; 2. The operation process is more tedious. To these problems in the analysis and discussion are put forward, based on performance evaluation effect of promoting banking countermeasures and Suggestions. Finally, this paper summarizes the main research work, and the future development was prospected.