Bank Performance Evaluation Of Statistical Methods

In decade,China’s access to the World Trade Oranization(WTO),China’s banking sector continued to adapt to the vicissitudes of international finacial markets has undergone open joint-stock reform, foreign banks to the local expansion as well as international economic financial crisis,a series of major changes in the development of banking sector gradually integrated into the new management concepts and techniques,and gradually establish a modern financial system in line with the socialist market economic system to mature.However, due to the late start of the commercial banks in China than in Western countries, the foreign banks advanced the development of philosophy, management system, product design front, the overall competitiveness is still there are some gaps. China’s banking sector can not effectively improve the business structure to enhance product innovation capability,enhance the overall competitiveness of its survival and development and growth will be faced with many problems, and may be due to poor management of bankruptcy, collapse or even affect the overall situation of economic and social development of serious problem. Therefore, China’s banking industry’s current performance for scientific, objective, comprehensive analysis and evaluation to identify the key problems in the operation process and come up with effective performance improvement suggestions and countermeasures to enhance China’s banking industry’s overall competitiveness has important theoretical value and practical significance.This paper first introduced the basic theory of the performance evaluation of banks,including bank performance of the basic concepts and the major indexes of the evaluation and the basis of indicators, expounds the performance evaluation, the main research direction,to several advanced performance evaluation method in comparison analysis.this paper for the empirical analysis to provide the theory basis. According to the domestic and foreign relevant institutions, scholars in the bank performance evaluation research of the existing research results, designde and a set of operational stronger, more scientific banks index set performance evaluation index system, and then from our10listed bank in2009from the data in the annual report of the evaluation index, using the factor analysis method eextracting principal component analysis. The analysis results show that:in2009,China’s joint-stock commercial bank’s overall performance is better than that of state-owned commercial banks. According to the relevant index, the article to appear this kind of results of the main causes for the analysis, the influence of China’s banking industry overall performance level of main factors comparison analysis that:compared with domestic commercial banks, joint stock commercial banks in China in recent years the development of maturity,the situation gratifying and in the scale business scope, profitability, innovation and development ability has a atrong competitive advantage, but compared with the developed countries of the commercial bank. Because of their late start, the foundation is bad,the above index level but more worse, which seriously restrict the our country commercial bank’s overall performance level.According to the results of analysis,the infuence on the performance of commercial banks in China the main factors put forward the suggestions and countermeasures, hope to contribute to our country commercial bank improved performance and development.