Baesd On The EVA Model Of Chinese City Commercial Value

The world economic situation presents a difficult recovery in2013. China’seconomy maintained a high growth rate as a whole, but prominent structuralcontradictions, downward pressure continues to increase. Banking industry isundergoing significant change, the first one is the acceleration of marketing of interestrate, the second one is the financial regulation strictly on related policies, and the lastand the most important one is that as the sudden emergence of the Internet finance,financial disintermediation phenomenon continued to intensify. All these problemswill affect the sustainable development of the banking.As the situation of the current Internet financial impact on the traditionalfinancial. Firstly, the paper on the added value of economic theory and the assessmentof enterprise value in the commercial bank, on the basis of adaptability, summed upthe relevant commercial Banks to the calculation method of EVA; Secondly, select onbehalf of the financial impact of the Internet electronic cash utilization index（citybusiness card transactions of all commercial Banks and bank card of card transactionsaccounted index such as permeability）, banking and related financial indicators focuson macro indicators to2007-2013the influence factors of city commercial bank’s betacoefficient has carried on the empirical research; Thirdly, by applying the theory ofEVA firm value evaluation of concrete application to the earliest listed-Ningbo CityCommercial Bank as an example, the practical application of EVA valuation model, inwhich phase type evaluation model in the calculation of stable growth rate g is theoperational efficiency, financial policy, capital structure and growth ability ofcomprehensive performance evaluation index for variable stepwise regressionanalysis, finally determine the impact the influence factors of city commercial Banksstable growth and achieve g predictive forecast, in order to determine the stablegrowth provides a more objective method; Finally, hope to be able to improve theoperating performance of city commercial banks use EVA theory, improve the abilityof value creation to provide policy recommendations.The impact of the Internet financial impact on our traditional banking isenormous. Because the beta is absolute position in the value assessment, you can seethat electronic currency utilization system with city trading company β coefficient issignificantly negative influence through demonstration. How to occupy the advantage in the battle for the electronic currency can effective risk prevention system, thuspromoting the value of the bank. It also provides managers with a new way topromote the value.