A Study On The Financial Index System Of China 's Commercial Banks

The banking industry in an important position in the financial industry in China. Distinguished according to the properties and functions of the bank, the Bank of our country present stage altogether can divided into three categories: commercial banks, central banks, policy banks. In recent years, China’s banking sector reform and innovation has made outstanding achievements, the banking sector as a whole occurred historic change, in economic and social development play an important role in supporting and promoting, strong support of China’s national economy steady and rapid development. At the same time, it also gives important value to the research of this paper..Through the research, this paper selects ten representative indicators, with respectively reflect the bank’s profitability, liquidity and security; to the design principle of the evaluation system, on the basis of the four major state-owned banks and the status quo of the part of the listed banks and future development, to establish the model. In index selection and try to select the most representative index; in the choice of evaluation methods, respectively from the factor analysis method and data envelopment value method, balanced score card method and economic value added method to choose. Through comprehensive comparison, and ultimately determine the factor analysis is used to model the construction, concluded that in2013and2014bank corresponding scores, and then calculate the value of each bank’s score standard, the final and the United States and other developed countries, commercial banks are compared. It is found that the silver line of the United States and other developed countries, so as to get some enlightenment. At the same time, see the Bank of the United States and other developed countries pay too much attention to profitability and liquidity, while ignoring the safety; draws the conclusion that the existing advantages of the China bank financial index system; and put forward our country to keep the development of their own advantages improve level of our country’s financial index recommendations. In the article, found that the main problem is China’s banks in the financial indicators analysis most only focus on financial analysis, and neglect to staffs attention and customer satisfaction. Not only so, in terms of hardware facilities, diversification of financial products, human resources management system or with the United States and other developed regions bank has a certain gap. China’s banking industry should pay attention to these aspects, from the hardware and the management level to change the weak thin. On the premise of safety, profitability and liquidity increased steadily.