Research On The Value Creation Ability And Influence Factors Of Urban Commercial Banks In The Western Region Based On EVA

In recent years, in order to improve financial services for China's economy in the new normalcy under the marketization reform, the reform of China's financial industry speeds up the pace. Financial liberalization of market access conditions, high-quality domestic and foreign banks continuing to expand the market at home and abroad and such causes are exerting an increasing competitive pressure to city commercial Banks in the western region.How to choose the effective evaluation method to evaluate western urban commercial banks' value creation ability, find shortcomings in the course of business and enhance the level of financial resources allocation and the value creation ability in its modern value management philosophy(concept of value creation, concept of stakeholders, concept of assets and liabilities management) have become an urgent research topic.Therefore, using Sharpe's one-way analysis of variance and capital asset pricing model(CAPM) to determine the EVA model, and then analyze the value creation ability of the sample banks during 2009-2014, The results show that: since the financial crisis, Although the western areas of the urban commercial banks absolute value creation is constantly increasing(from 2009 to 2014, the means of sample banks EVA rapidly developed from 170 million to 1.006 billion yuan), the difference of value creation levels between banks decreased,But the differences still large. Excluding scale factors and found that, the REVA of western region urban commercial banks is in the upper level of the banking industry, but there are quite difference between them. From the slope of the REVA time series curve, we can know that the growth potential of the capital value creation ability of the commercial banks in the western city has been weakening.Using the panel data to construct intercept fixed effect model to analyze the factors of EVA/REVA, found that: total assets has a significant promoting effect on EVA and REVA of the urban commercial banks in the western region of China, and the increasing of the capital adequacy ratio and the rate of non-performing loans will has a significant inhibitory effect on the western urban commercial bank EVA and REVA, although the improvement of traditional business loan ratio can significantly enhance the western city commercial bank EVA value creation ability, but it will restrain the unit capital value creation ability of western urban commercial banks.Finally, according to the empirical results, this paper puts forward the countermeasures and suggestions to enhance the value creation ability of the western urban commercials EVA from the angle of the bank.