Study On The Construction Of The Performance Evaluation System Of Chinese Small And Medium Commercial Banks

In recent years, the financial industry develop very fast. As the main body of finance the banks also develop fast.With the low limit to enter commercial banking,that appeared a prosperity. Small and medium-sized commercial banks as the bright younger generation, has developed rapidly in recent years, the expansion speed is astonishing, assets scale is continually expanding, carried out a series of cross operation, the listing and financing action, has become a financial market active role. However, with the further opening,foreign banks continue to enter the Chinese market and state-owned banks continue to upgrade, the competition of the banking is becoming increasingly fierce. Small and medium-sized commercial banks has a short establishment time, lack of management experience, short of talent reserve, small market, low internal management level and has a high rate of non-performing loans than large commercial banks and foreign banks. These factors will restrict the development of small and medium-sized commercial banks, reduce the market competitiveness, restricting development. Now improve the management level of small and medium-sized commercial banks, to strengthen the internal control is particularly important.In order to adapt to the rapid development of small and medium-sized commercial banks and get a space in the market competition, the small and medium-sized commercial banks need to strength internal control, pay attention to the performance evaluation, timely find the problems of the bank. In the past the evaluation of small and medium sized commercial bank performance is the application of a last post evaluation, not a comprehensive evaluation, can not play a supervisory role in prediction and beforehand. This evaluation method can not adapt the development process and the development of the banking market, so that it need to build a system which can keep up the development and evaluate the small and medium-sized commercial banks.This article write the research background, the significance, analysis of domestic and foreign, and application of some methods then combined with the characteristics and current situation of the small and medium-sized commercial banks. At last structure a suitable evaluation system for banks. Firstly, this thesis introduces the background and the significance of the research on the evaluation of performance of small and medium-sized commercial banks and explains the need of performance evaluation of small and medium sized commercial banks. Secondly, introduces the basic theory of performance evaluation, which lays the foundation for the further study of the small medium commercial bank performance evaluation. Then research the characteristics and current situation of small and medium sized commercial banks at the present stage, in order to lay the foundation for the establishment of performance evaluation. Thirdly this part is important to the whole thesis, create construction of the performance evaluation of Chinese small and medium commercial banks. Establish the construction combine BSC with KPI. Finally apply the evaluation method to the small and medium-sized commercial banks.