Financial Performance Analysis For The List Commercial Banks In China

With the development of market economy, banks have preliminary established a relatively perfect modern corporate structure, at the same time,the reform of state-owned commercial banks have obtained major breakthrough. Chinese banking development report2010-2011that published by China Banking Association said, in2010Chinese banking financial institutions have achieved profit899.1billion yuan after tax, grow34.5%compared to the same period, and2011will still keep stable operation state, bank profit growth levels off, the profit growth rate will reach around20%. This shows our country banking industry has been developing rapidly, with a positive growth, listed banks have becoming the mainstay of Chinese capital market.The market economy development provides a broad market and many employment opportunities for banking, and the big development of banking provides strong support for the functioning of the market economy and financial environment security. At the same time as the’commercial bank of Chinese financial industry subject, operating performance and financial position is not only related to the healthy operation of banking system, but also related to the stable operation and good development of China’s financial industry, and even has very important effect on the national economyHowever, with facing intensifying industry competition in "Post Financial Crisis "period, facing significant changes in the external management environment, facing banking entered a stage of big opening environment after china fulfill the WTO agreement,all of this not only pressure on Chinese commercial banks, but also create transition opportunities, in order to adapt to the highly competitive financial environment and improve performance of Chinese commercial banks, increasing the competitiveness of commercial banks is the fundamental to guarding against financial risks and obtaining survival and development. In this situation.which comparative、evaluation and analysis on the financial performance of Chinese listed commercial banks is particularly important.With the improvement and standardization of Chinese financial markets, many banks pursue their own development, meanwhile actively listed which let equity financing expand its power. Due to the requirements on finance assets disclosure after listed, on one hand it makes banking operations run more fair and transparent, on other hand, it also facilitates on our research of its financial position and operating results. Based on this, We chose fourteen commercial banks on the succession of successfully listed as our research object, fourteen listed banks have strong capital strength and excellent performance,so they have a certain representative on our whole bank industry. Therefore,we adopted a comprehensive and detailed analysis on the financial performance of listed commercial banks, so as to cover, that infer the whole development status of banking in China, and through statistical analysis on financial data of financial statements、the transaction, account balances and disclosure in the listed commercial bank, we find out the advantages and disadvantages so as to promote advantage and overcome shortcomings, and provide valuable reference for managers, in order to play a competitive advantage, and improve the competitiveness of the whole banking industry.In view of this, this article intends to the guidance of analysis theory on modern commercial bank financial performance, according to operating principle of commercial bank-safety, liquidity, profitability, it combines the normative research method and empirical research method, explores the present commercial banks situation as well as the relevant commercial banks management theory and economic theory.