Empirical Study On The Influence Factors Of The China Commercial Bank Performance

As the center of the modern financial industry, the banks play an important role in the economy system. Their development have a very close relationship with the operation of the banking system and the national economy. The bank performance has become a key issue to the domestic banking industry. Improving the bank performance is the key to maintain the stable operation of the national economy, open up the bank industry and participate in market competition actively. If a country bank’s own system performance is poor, it is vulnerable to the impact of foreign financial turmoil, to the state economic resources cause damage.The performance of China commercial bank is the key of the financial industry, the high efficiency of bank operation is not only the evolution of China’s financial system request inevitably, but also a endogenous financing for our country national economy development, the important channel to provide funds. At the same time, a country bank system performance is also constitute the country’s economy of the importance of safety factorThis paper is focus on the influence factors of the bank performance. Mainly introduce the evaluation method of bank performance, such as Economic Value Added, Balanced Scorecard, Data Comprehensive Analysis, Factor Analysis, and Financial Ratio Analysis. Performance measurement index, such as Bank Value Index, Profitability Index, Return on Assets Index, and Tobin’s Q. This paper chooses the Financial Ratio Analysis and ROA, ROE to measure the performance of commercial banks. The empirical part choose State-owned Commercial Bank as research objects, using the bank scale, management concept, professional ability to analysis the factors of bank performance. This paper also use Eviews statistical software,multiple linear regression model, estimating which factors have influence on ROA and ROE. The model shows that when the bank performance is ROA, cost income tatio,earninig per share.and non-interest income show a significant effect. When the bank performance is ROE, deposit-loan ratio, bad loans for the performance has a significant effect.The end of the article puts forwards the improving performance of commercial bank in our country.