Empirical Research On The Management Performance Of China’s Listed Banks-based On Factor Analysis

With the development of the social market economy, China’s financial sector tothe national economy development and plays an increasingly important role inregulating the financial industry is the cornerstone of China’s economic development,while commercial banks is the core of the financial sector, banking relationships tothe entire national economy, sustainable development and therefore the operatingperformance of the banking sector for the healthy development of China ’s economy isessential. With China in2001officially joined the WTO, under the full liberalizationof the market economy and opening up business opportunities for2006Yuan, foreignbanks have entered the country on China ’s banks formed a huge competitivepressures. To meet the challenges, our basic bank at the end of2010completed theshareholding reform, but that is not enough, if you want to be in an invincible positionin this highly competitive environment, China’s banks should seek to improve theiroverall competitiveness, improve its operating results. Based on the operatingperformance of16listed banks empirical analysis, the problems and shortcomings ofChina’s listed banks in terms of development and operation exists, and then proposetargeted suggestions in order to be able to help their business performance, You canalso provide a reference to the operating performance evaluation system for thedevelopment of other listed banks, which is the practical significance of this study lies.This paper selected2013of16listed banks as a sample, using factor analysis methodanalyzes the impact of its business performance13financial data to arrive: thedevelopment and progress of joint-stock commercial banks is relatively fast, strongability to grow, but their capital is not strong profitability, liquidity is not too good,loan quality is not high, also need to increase the intermediate business income; andjoint-stock banks is different, state-controlled banks (BC, ABC, ICBC,CBC) inliquidity but in terms of performance and profitability is better, but in terms of safetyand asset growth capacity of poor performance. This paper is divided into fivechapters in total: The first part is the introduction; this part is mainly the background andsignificance of the article, the main contents and methods of research, innovation andthe lack of these three areas.The second chapter presents a comprehensive evaluation of the operatingperformance of China’s listed banks, the CBRC introduced the evaluation methods ofrisk assessment on China’s commercial banks raised, then the level of security,development ability level, the level of profitability, liquidity levels of these four tobuild a set of indicators analyzed the performance of China’s listed banks indexsystem, these indicators in four areas will be specifically described and identifiedeach index in the evaluation system of weights.The third part is the empirical analysis of China’s listed banks operatingperformance. First, this paper spss20.0software, according to financial data for201316listed banks, using factor analysis on the operating performance evaluation ofChina’s listed banks empirical analysis. Finally, based on the results of factor analysis,from a single factor and the overall situation, the current situation to analyze theoperating performance of16listed banks in China, and according to the differentnature of the two commercial banks demonstrated their shortcomings were madecorresponding countermeasures and suggestions.The fourth chapter is the third chapter in the analysis of the results, according tojoint-stock commercial banks and the lack of state-owned commercial banks exist,were put forward some suggestions and countermeasures. Security and profitabilityaspects of the development of China’s state-owned commercial banks reflected theproblems and shortcomings, the proposed recommendations for improvement,including the following aspects: to make non-performing loans ratio decreased; makeintermediate operating income increased; choose a good money management method;enable employees’ incentives to improve; improve corporate governance standards.However, for our joint-stock commercial banks to their lack of liquidity is mainly itspoor profitability is not strong, so I made a corresponding proposal follows: Determine the market, make the appropriate positioning; increase the capital gainsrate; reform innovation.The fifth chapter is the conclusion; summarize the contents of this article as wellas future research work presents preliminary ideas.The innovation of this paper is the object of study of a representative andtimeliness, as selected representative in the banking industry16listed banks in2013the latest financial data, in addition to paper, the factor analysis method to construct aset of commercial banks operating performance evaluation index system, this indexsystem for the development of future bank also played a certain reference. In thispaper, there are still many problems, because our time is short listed bank, lacks manyof the layout of the data needed, we can only choose these traditional indicators tomeasure business performance. Due to the limitations of my experience, there aremany statistical methods do not apply to this analysis. So, this is the direction I willwork in the future.