The Research On The Performance Evaluation Of Share-Holding Commercial Banks Of China

The industry of finance is an important part of the modern economy. Building arobust and efficient financial system is the important condition which is related to theeconomy of a country. As the core department of the financial system, the role ofCommercial Banks is becoming more and more important. Commercial Banks, as thespecial enterprise, follow three principles which include safety, liquidity and profitabilityin the normal operation. It is also the general enterprise which is to gain profits as the mainpurpose. And the commercial banks have their own profitable requirements, especially forthe share-holding commercial banks whose responsibility is to benefit maximization. Thisdetermines that the every commercial bank could not ignore the internal performancemanagement. Improving the performance of the commercial bank becomes the firstproblem which should be considered by operators and creditors. Therefore, strengtheningthe study of performance evaluation to commercial bank has become the basic way whichcan improve our competitive ability of commercial bank. At the same time, it is necessaryfor the commercial bank improve the standards of the international financial industry.This paper, basing on the data of commercial bank in2010, uses the software of SPSSin order to analysis. It follows the profitability, safety, liquidity and development ability ofcommercial bank with four aspects. Through the factor analysis, we can list thecomprehensive performance rankings of commercial bank of China’s. We also analyze oneach indicators which is selected by us. And we examine the correlation, relating to thesecurity and yield of asset. From inspection result, it can compare to reflect each idealperformance of comprehensive performance by using factor analysis method ofcomprehensive score about commercial bank in2010. This is also the innovation of thispaper.Finally, we must analysis the each result around the empirical analysis of the fourpublic factors. As the analysis of the result, the most important indicator is the profitabilityif we want to judge the performance of a bank. In the long run, medium and smallcommercial banks can face the challenge of liquidity management. Strengthening financial risk management of liquidity has become the most important measures to for commercialbank, especially small bank; In earnings index, medium and small commercial Banks aresignificantly better than large commercial Banks in per capita profit margins. In thedevelopment ability, medium and small commercial banks increase more rapid because theoriginal base is comparatively small.