Research On Performance Efficiency Evaluation System Of Commercial Banks In China

As the development of financial market in China falls behind and the construction of capital market is not perfect, many commercial banks in our country put forth effort to pursuit the expansion speed and the bank market share in the process of the development, and ignore the bank’s long-term development. This development mode really promote the enhancement of the bank performance efficiency in a period of time, but with the development of economy, many problems also appeared gradually, Such as the level of the bank management is low, the ability of financial innovation is insufficiency, there are too many non-performing loans, consciousness of risk prevention is weak and so on. So we need to change the way of the bank development and improve the performance efficiency, and strengthen the construction of performance efficiency evaluation system. Although there are many commercial banks exploring and building the performance efficiency evaluation system of commercial banks, and they also use the advanced experience and ideas abroad, they still has not established a set of performance efficiency evaluation system. And there is a big gap between the commercial bank from the home and abroad. Therefore, through the research and construction of performance efficiency evaluation system of commercial banks, we can improve the performance efficiency level of the commercial bank, and it has very important significance.This article first reviews through the performance efficiency evaluation system theory of commercial bank in this paper, and analyses the development and present situation of performance efficiency evaluation system of commercial banks. Then this article find out the problems of the performance efficiency evaluation system in China, including the evaluation objectives is not clear, evaluation index is not reasonable, evaluation system is lack of systematic performance and so on. In order to solve this problem, this article describes and designs a performance efficiency evaluation system, which is suits for the development of commercial Banks in China. From the index, methods, results and other aspects of the evaluation system, this model has very important significance and value to solve the problems and improve the performance efficiency level of the commercial bank.