Research On The Financial Performance Evaluation Of The Listed Commercial Banks And Influencing Factors In China

In the background of the finance gradually becomes the core of modern economy, the listed commercial banks plays a pivotal role as China’s financial body in the modern economy and society. However, more and more joint-stock commercial banks and foreign banks have entered China’s financial market with the financial system, which make the competition become more and more intense between the industry, between Chinese and foreign banks. Gradually,the listed commercial banks focus on their development and the operational efficiency, analyze heir financial position and operating conditions, and explore their own financial performance evaluation and influence factors,which can contribute to scientifically evaluate the operating performance and enhance the level of financial performance of listed commercial banks and enhance their competitiveness. Therefore, how to build the bank’s financial performance evaluation system and analyze factors to prompt the listed commercial banks to change the target and concept, look at itself more comprehensive, which become a realistic and urgent research questions.Paper chooses financial index data of the listed commercial banks from2011 to 2013, firstly, use factor analysis to build financial performance evaluation model of the listed commercial banks with stata software, explore and evaluate financial performance of the listed commercial banks, basing on profitability, safety, liquidity, service and growth. Then, basing on the performance of each of the listed commercial bank, set up the panel data model to research financial performance factors about the equity institutions, banks size, the internal management, the board features, innovation, macro-economic environment and the monetary policy.Through empirical research, the paper draws the following conclusion: First, the financial performance of large state-owned commercial banks is higher than joint-stock commercial banks and city commercial banks, because of advantage of the size; Second, service capabilities have a greater impact on the financial performance of the listed commercial banks; Third, the level of financial performance of the listed commercial banks is low, but it is a trend toward improvement; Fourth, the profitability of the listed commercial banks is improved so that it has a huge room for growth; Fifth, the security and liquidity management t of the listed commercial banks are limited; Sixth, the proportion of the ten largest shareholder, the proportion of women directors, GDP growth and interest rates have a significant impact on the financial performance of the listed commercial banks. Meanwhile, the paper is proposed to the policy recommendations to increase the level of financial performance of the listed commercial banks basing on empirical conclusions.