The Performance Research Of Urban Commercial Banks In China

After nearly20years of development, China’s city commercial banks, has become an important part of China’s banking system.Since2007, after the basic completion of the large state-owned commercial banks, joint-stock commercial bank reform, urban commercial banks reform on the agenda.After years of development, reform, China’s city commercial banks achieved rapid development, while asset quality is improving.So far,Beijing bank, Nanjing bank, Ningbo bank has been successfully listed on,Jiangsu bank, Huishang bank in the local government’s support development become regional commercial Banks.Perspective the development of city commercial banks through the development of city commercial banks in various problems in front of us.City commercial banks to take what kind of development model, there must be a unified measure to evaluate the development of city commercial banks.Through the study of a variety of classical performance evaluation theory, combined with the practical problems of China’s city commercial banks to disclose their financial data less basic non-financial data, select the part of the city commercial banks and EVA value analysis method of combining the use of financial ratio analysis to evaluate the performance of.Specifically, the first comparative analysis of the classical theory of performance evaluation, select an appropriate performance evaluation method;Secondly, from a commercial bank security, profitability, liquidity point of view, the financial ratio analysis;Finally, create the EVA evaluation model of urban commercial banks, assessment EVA value and REVA value.This paper argues that regardless of financial ratio analysis point of view or from the perspective of EVA value analysis, China’s city commercial banks as a whole showed a fast, smooth, healthy, and this shows the rising level of the governance of the city commercial banks in China.China’s city commercial banks listed on or the reorganization of the city commercial bank performance is different, we need to re-examine the mode of development of city commercial banks.