The Operating Performance Evaluation Of Listed Commercial Banks In China

2010year-ending, the15commercial banks which includes5state-holding commercial banks and10joint-equity commercial banks have listed in china. With the rapid development of china’s financial and the reform of china’s financial system going deep into continuously, more and more commercial banks in order to adopt the changing of modern financial situations and win the final victory in the fierce competition, according to the practical business situation, which have to make a continuous developing-stage of themselves by different market goals. the sub-prime mortgage crisis in the U.S. caused by global financial wind roar in2007,causing local financial market turmoil, and economic development and social development. At that time, the finance is becoming the focus of the whole world. The listed commercial Banks in china as one important part of china’s financial system is the key factor of our country’s economy, and if it has a normal steady-step development, will enhance China’s economic development and social stability. The operating performance of listed commercial bank reflects its operating situation. In some words, we can realize the level of whole banking development by researching the operating performance of listed commercial banks. So, this paper will make an empirical study on evaluating the performance efficiency of listed commercial banks in china, and according to the results of the analysis put forward some concrete suggestions and measures for the promotion of management performance to china listed commercial banks.In this paper, we focus on researching the performance by using the profitability, liquidity, security and development capacity which are the four main management characteristics of listed commercial banks. On one hand, we just have a understanding the operating business situation by selecting some classics index of commercial bank performance evaluation and comparing with each other among the listed commercial banks. On the other hand, in order to have a reasonable and objective result of the performance evaluation, it applies factor analysis and cluster analysis on the empirical research that will be better for evaluating performance efficiency.This paper consists of six parts. The first chapter mainly explains the research background and purpose, and points out the weak aspects and some possible innovations. The second chapter mainly reviews performance evaluation of commercial bank in home and aboard, and introduce the means and the main approaches of commercial performance evaluation. The third chapter as one important part of this paper, we make a deep analysis by the index of performance evaluation basing on the financial statements for specific data of15listed commercial banks form the year of2007to2009, then try hard to understand each listed commercial bank’s operating performance from one way and the difference performance among them. The fourth chapter as another significant part of this paper, we use the main research ways of factor analysis and cluster analysis to evaluate the performance efficiency of15listed commercial banks in2009, then try to divide them into different class by the performance. The fifth chapter, with the result of the empirical research and the conclusion, it discusses the measures and suggestions to enhance the business performance of listed commercial bank.This paper has some innovation points. On one hand, it puts together with the single index analysis and multi-index synthetic evaluation in the empirical research. On the other hand, this paper comprehensively uses correlation analysis, factor analysis and cluster analysis the statistical methods, and makes the empirical results more persuasive.This paper also has some insufficient points. Firstly, we forget to compare with the operating performance of foreign banks. Secondly, it only uses the financial indicators to evaluate the listed commercial banks, However, the non-financial indicators are also significant to the performance evaluation. Finally, In view of the professional theory, the obtaining of index data and the limited of author own level, it may miss some important index variables in the research.