Analysis On Factors Affecting The Performance Of China's Commercial Banks

The industry of bank, as the special organization of the national economy, the performance of which counts for the development of social economy directly; and as service agency providing financing for enterprises, the efficiency of which influences the whole social welfare by working on the enterprise.Now the problem of our bank system performance is one of the pivotal problems for finance market. High-efficiency operation of bank, is the necessary for the evolving process of our finance system, on the other hand, it is the inevitable choice for a developing country which prefers to internal financing. At the mean time, the operation performance of the bank system also affects the economic safety of a country. The economy crisis of Asia gives us a lesson that if the performance of bank system is on a low level, it will be easier to be impacted by external financing shake and the economy resource of a country will be destroyed.As the developing of our country and interim of WTO will end, then our bank system will inosculate international financing system. And the operation tactics, excellent service and product of foreign bank will be supplied to China customers; the drastic competition with internal bank will take the field. How to exist and develop in such an ardent competition market is very important for each internal bank.Our banks encounter the problem that the ability of competition is lower, the ability of operation management is not higher, there are many bad credits, and the risk is much bigger, and the way to solve out those problems is touched tightly with the advance of operation performance of banks. It has been a long time that we attach importance to the speed of development, but not gives enough recognition to the quality of development. In fact, the development of the bank and economy finance depends on the advance of operation performance, and the speed of development just is an accessorial problem. Operation performance is the representation of the competition ability, the advance of the operation performance is the key point for keeping away finance risk.So the author tried to research on the clue of searching for the influence factors of the performance of China's Banks, and analyzed in the study, and finally probe into the method and proposal of how to improve the performance of commercial bank.