The Research Of China’s Joint-Equity Commercial Bank’s Valuation Method

The development of financial industry more and more attention by people, especially, as a manager and investors in the financial industry attaches great importance to the value, because of its assessed value directly decides the management of them to make decisions and investment decisions. The status of commercial banks in the financial sector is particularly prominent; commercial banks not only has the general properties of a financial enterprise, but also has its unique characteristics. Business is given priority to with deposits and loans of commercial banks, operating assets is given priority to with money, in a country’s national economic development has a pivotal role. Thus, completes the valuation problem research of commercial banks of our country financial enterprise reform smoothly has an important guiding role.At present, the enterprise value evaluation theory has been gradually improving and developing, specific to some special industry, however, the value assessment methods and theory to be in progress, and constantly improve. Because as the world economy and the continuous development of macroeconomic environment and the new change, all walks of life are influenced by different factors. Commercial banking industry development is rapid, especially the rise of the Internet financial banking business for the future development to provide more development way. In the current assets appraisal basic method, market method, cost method and income method, on the basis of the breakthrough of its inherent defects, combined with empirical research further valuation problem of commercial bank has a certain realistic guiding significance.Based on combing the enterprise value assessment theory and specific valuation model on the basis of commercial banks, and combined with the industrial characteristics of commercial banks and the factors that drive its value growth eventually elect in alternative to apply the method of commercial bank valuation model, residual income model.Finally, in the concrete analysis of financial indicators, the integrated use of charts, graphs and statistical measurement tools such as means, on the basis of using the residual income model to choose specific analyses empirical study of listed commercial banks, the Ping an bank. In the empirical comparison between calculated results and the actual value, the analysis shows that the residual income model of possible problems in the use and the problems should pay attention to.