A Study On Small And Medium-sized Commercial Banks Growth Evaluation

As one of the most important accomplishments of Chinese financial reform, when state-owned banks conduct commercialization reform, small and medium-sized commercial banks constantly develop and grow. Small and medium-sized commercial banks have competitive advantage in property arrangement, the flexibility and validity of institutions setting, so they developed rapidly in the reform to important component of China's financial system. Small and medium-sized commercial banks make an important contribution in expanding domestic employment opportunities, promoting the financial system reform and economic development. However, with international and domestic economic environment constantly changing, especially after China's accession to the WTO and experiencing impact of the financial crisis, the development of small and medium-sized commercial banks are increasingly faced with severe test.The thesis aims at finding out the factors restricting the development of small and medium-sized commercial banks and establishing the growth evaluation system in line with analyzing the operation situation of small and medium-sized commercial banks (mainly compared with state-owned commercial banks),then taking use of mutant series method to evaluate the growth, thus measuring the existing problems for the small and medium-sized commercial banks to find out the deficiency and better development.At first, the thesis expounds related theory about the growth of small and medium-sized commercial banks and analyzes the growth connotation, growing bank path, influencing factors, the uniqueness and growth factors of the small and medium-sized commercial banks as the theoretical support.Secondly, the thesis analyzes the development situation of the small and medium-sized commercial banks from two aspects. In the macro aspect, it analyzes the status and role of small and medium-sized commercial banks in the whole financial system. In the micro aspect, it analyzes the operation characteristics and existing problems.Thirdly, according to the operation characteristics of small and medium-sized commercial banks, the thesis chooses appropriate indexes to conduct the growth evaluation system from growth performance and future growth potential, combining the safety, profitable and liquidity. The growth performance layer includes the safety, profitable, liquidity, capital sufficiency and asset quality. The future growth potential layer includes the growth ability and shareholders'equity.Further, the thesis takes use of Catastrophe Progression Method to analyze the twelve listed small and medium-sized commercial banks. The scores and sorting show that there is disequilibrium problem in different degrees in the development process of small and medium-sized commercial banks. The thesis analyzes the weak aspects of the growth in order to continuously improve and perfect the growth of the small and medium-sized commercial banks.Finally, the thesis put forward the related suggestion and countermeasure to promote and help the growth of the small and medium-sized commercial banks in accordance with the evaluation results.