| In recent years, the economic situation at home and abroad is complex, the financial innovation more active, financial services more diversified. Internet financial to accelerate the development of "financial disintermediation", China’s banking sector facing a slowdown, regulation to further strengthen, such as interest rate marketization to speed up the multiple pressure, make the competition in banking is more vigorous. City commercial Banks in China after nearly 20 years of development, become an integral part of financial system, promote the formation of banking competition and perfect the financial system. At the end of the second quarter of 2015, the city commercial bank’s total assets accounted for 10.74% of the total assets of the banking financial institutions, non-performing loan ratio to 1.37%, less than 2.20% of the rural commercial bank,1.48% of the large commercial Banks, higher than 1.35% of the joint-stock commercial Banks and foreign Banks at 1.16%.Compared with other types of commercial Banks, city firms of non-performing loans.Despite the rapid development in recent years, city commercial Banks overall strength has improved significantly, but compared with the state-owned Banks and large and medium-sized joint-stock commercial bank also has certain gap. If you want to have a place in the big lines of domestic banking industry, it is necessary to improve the competitiveness of city commercial Banks, and bank performance is reflected in city commercial bank’s comprehensive strength index of the most powerful. On city business performance evaluation, which can make them realize their strengths, weaknesses, and found the problem, investigate its root causes, to improve their management ability and competitiveness level. Performance comparison of different regional city business, is conducive to encourage businesses actively looking for and other area city firm performance level, the difference of the use for reference the experience of the development of high performance level of city business, make up for a lack of their own in time, to their own level of business performance. The performance level of city business area analysis of differences between the raise the level of competitiveness and business performance has great significance.In order to study the performance of city commercial Banks in different regions of the difference, in this paper, the country is divided into eastern, central and western three parts, city commercial bank select 39 samples from 2008 to 2013, the relevant data for the calculation of EVA absolute indicators and there are relative index, and compared with the traditional bank performance indicators ROE analysis. Calculation in different regions, EVA and there are average city commercial bank performance comparison between the three regions.On this basis, from city businesses own factors, the selection of the driving factors influencing the city business EVA, using statistical analysis software, the empirical analysis was carried out on the driving factors of EVA. In view of the regression results, the development of city commercial Banks in the future put forward the corresponding policy recommendations. Mainly includes the following aspects:A clear market positioning, form characteristic management; Expand the business scope, in the face of the interest rate marketization; Support small micro enterprises, cross-regional development moderately, reduce loan concentration; Accelerate the process of market, enhance the brand image; The eastern city businesses to control non-performing loans, strengthen risk prevention; The midwest city businesses to speed up the financial innovation and financial development of the Internet. In addition to the above six ways, the city commercial banks should also consider the introduction of strategic investors, appropriate for cross-regional development, and development of rural Banks, the means of establishing such as measures to improve their level of business performance. |
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