Analysis On Factors Affecting The Performance Of China's Commercial Banks In The New Normal

The performance of the commercial banks in China is the key to financial industry. An highly efficient bank operation is an inevitable requirement for both evolution of Chinese financial system and a crucial channel of endogenous financing countries provide funds into its national economic development. Meanwhile, the performance of banking system in one nation plays an important role of its economic security. A dismal bank system performance would be easily lashed by the impact of financial turmoil overseas and cause damage to national economy.We research mainly the influence factors of bank performance in this paper.Introduces several kinds of typical bank performance evaluation method, and finally determine the use of financial ratio analysis and binary logit model; Performance evaluation indicators, such as bank value index, profitability index, Tobin's Q and return on assets. This paper uses a binary logit model and financial ratio analysis,using ROA(return on total assets) and ROE(return on equity) represent the performance of commercial banks. The empirical analysis part, first select the five big state-owned commercial banks as the research object, use Eviews statistical analysis software and multiple regression model, size from the bank, management concept,degree of specialization of angle measure of the influence factors of bank performance. And then introduced five representative domestic joint-stock commercial banks, using a binary logit model, to the overall performance of the ten banks influence factors analysis. After detection of the two methods, the empirical results show that in the total return on assets for the evaluation of bank performance be explained variables, multiple regression model and binary logit model analysis results are shown, capital adequacy ratio and loan ratio on bank performance significantly. In the return on net assets for the evaluation of bank performance be explained variables, the multivariate regression model analysis results show that for the cost income ratio, capital adequacy ratio and loan ratio on bank performance significantly, binary logit model shows that the cost income ratio and non-performing loan ratio is the key to influence bank performance. By the end of the article is based on the conclusions above, the influence factors on how to improve performance in the commercial bank targeted measures are put forward.