A Comparative Study About The Performance Of China’s State-owned Commercial Banks And Joint-stock Commercial Banks After Going On The Market

Banking industry in our country has achieved unprecedented development since1980s.After transformed their share holding system, the five state-owned commercial banks have all strength the safty,improwe the service,and go on the market;The joint-stock commercial banks and City Commercial Banks expand their scale and have become an important part of the banking in our country;More an more Foreign banks came to China after entry into WTO,which compete banks of China fiercely.Listed commercial banks are the most active part of the banking industy in our country.Their performance is the focus of attention of the public. The establishment of commercial bank performance evaluation model will help to improve the management level of commercial banks,reduce financial risks, promote the financial resource allocation,coordinate the benefits of shareholder, experience management, customer and employee, improve economic level and maintain social stability.On the basis of the analysis of domestic and foreign research literature,the article make an empirical analysis of listed commercial banks in China.There are three natrue of commercial banks.which are" Mobility"," profitability"," security". The empirical analysis is divided into two parts. The first part is the application of the single factor evaluation method,which is an comparative study on10financial indexes of China’s14listed commercial banks from2004to2010.It draw the following conclusion:the state-owned commercial banks and joint-stock commercial banks was improved the performance of liquidity, profitability, safety after going on the market,and the gap is shrinking. The second part is the factor analysis. Using10financial indexes of China’s14listed commercial banks from2004to2010as sample data, the article establish a factor analysis model,and draw the following conclusion:the performance of the state-owned commercial banks and joint-stock commercial banks has improved.The two method have verificate each other.Finally,the article put forward suggestion about two kinds of banks:the state-owned commercial banks should continue to push forward the reform of corporate governance, continuously improve the quality of assets,and improve profitability; the joint-stock commercial banks should expand the scale of their assets and make sure about their position on market.