A Study Of Relationship Between Bank Performance Appraisal And Quality Of Credit Assets

2008years，United States financial crisis triggered by the economic crisis andunstoppable trend overall, world-wide hit. European and American countries havesuffered from financial crisis, economic crisis, sovereign debt crisis, leading to closureof the big investment banks, private enterprises will close down and frequentGovernment shutdown, high unemployment and, at the same time, our economy hasalso been deeply affected, serious lack of exports, leading to coastal enterprises haveclosed down. This from the other side of the hurricanes almost destroyed our economymarket. In the face of this disaster, China’s commercial banks can absolve himself, inthe face of international large multinational banks have closed down, China’scommercial banks were among the forefront of the global banking industry. But in factthe risks facing China’s commercial banks is huge, and use this crisis, to measure thequality of credit assets of commercial banks provided an opportunity, this crisis can besaid to be the financial sector, the real catastrophe, but it may also become China’smajor banks into the World Bank’s top opportunities.Commercial banks have many different in the general industrial enterprises.Expanding profit margins on the basis of how to control the risks, this is commercialbank managers should be fully taken into account in the formulation of strategies for thefuture of commercial banks of issue. Banks in major countries of the world are mainlymixed business models, innovative business products, non-interest income accountedfor a large part of total profits. At this stage, on China’s commercial banks areconcerned, the business of reflecting characteristics in operation. Mercerization ofinterest rate in our country is not yet fully today, commercial bank profits80%relies onloan spreads, intermediate business income accounted for relatively low, which resultedin China’s commercial bank credit asset quality is directly related to survival. Due tolack of innovation in commercial banks, business type single, credit operationscontinues to constitute a major part of the profitable business of Chinese commercialbanks; interest income continues to be the major profit source for commercial banks inChina.Based on the investigation of the quality of credit assets, analyze its impact on theperformance of commercial banks. Relationship between research and integration at the same time will end in a study on performance evaluation index setting, especially forcredit business performance evaluation studies. Commercial Bank fully recognizes thatpractitioners are based on quantifiable criteria of assessment for business select this,makes doing business in the future to rely on a reasonable role in checking forperformance improvement.Select this article has been listed on the16samples of joint-stock commercial bank.After comprehensive consideration of all types of indicators, selected level of return onequity target values measure the performance of commercial banks; the bad loan ratio tomeasure the quality of credit assets of commercial banks. Analysis since2003year2012year, select a return on equity of commercial banks and the bad loan ratio. Studyfinds; a commercial bank credit asset there is a significant positive correlation betweenquality and performance. The better the quality of credit assets, lower NPL ratio, thebetter the performance of commercial banks, higher ROE. In contrast, commercial bankcredit assets quality is lower, its performance is worse. This article focuses on the dataselection has been listed joint-stock commercial bank, its size is huge. But their numberaccounts for only a fraction of the total number of commercial banks in China, andhoped that future researchers could expand the sample size, improve the integrity ofyour data.