Empirical Studv On Operating Performance Of Listed Commercial Banks

For a long time,most enterprises in China still rely on the credit of banks.This led to the domestic banking sector a boom.At present,our country has formed a multiple competitive landscape with large-scale commercial banks as the main body and various forms of commercial Banks,which will bring unprecedented challenges and opportunities for the banking industry.Domestic listed commercial Banks,as the representative of the banking industry shoulders on the responsibility of to maximize shareholder interests under the background of the fierce competition environment.Strengthening the study on evaluation of listed commercial bank performance is not only to find ways to improve the management mechanism of China's commercial banks,but also to integrate with the international banking,form a strong international competitiveness.Based on this background,the listed commercial banks in China can be divided into three types of large-scale,joint-stock and city commercial Banks,by operating the empirical research and comparing its performance index,we can find out the specific aspects of differences,and analyze the causes of the problem,in order to take targeted measures to improve the level of comprehensive operating performance and competition power.Firstly we introduced this paper conducted the review of commercial bank evaluation theory,and introduced the existing several technical methods of performance evaluation of commercial Banks,highlight the relative advantage of factor analysis and DEA.Secondly,according to the 2012-2014 annual report data of 16 listed commercial Banks,we selected the performance index,which are respectively profitability situation,asset liquidity situation,asset security situation,growth situation,operational capacity and market share situation,a total of 16 financial and non-financial indexes,through the comparative analysis of individual indicators,we have a understanding about the operation status of 16 listed Banks,and build index system in empirical research to do a good job of foreshadowing.Finally is the application of Factor Analysis and DEA method of the listed commercial bank management performance evaluation.First of all,based on the data of 16 listed commercial bank annual report 2014,from the commercial Banks' four aspects of profitability situation,asset liquidity situation,asset security situation,growth situation,using SPSS software,we use factor analysis to horizontally compare the rank of comprehensive performance of listed commercial Banks in China.Second,based on 16 listed commercial Banks in 2012-2014 annual study samples,using DEA method from the four angles of operation ability,profit ability,growth ability and risk management ability,according to three sides of the crste,vrste and scale operating performance for longitudinal measure.According to the results of the empirical analysis,the joint-stock commercial bank's comprehensive performance level significantly is higher than the other two types of commercial Banks.After analyze the influence factors of the listed commercial bank performance,we summarizes the cause of its different performance level,and gives the suggestions for the improvement of China's commercial banks operating performance from four aspects.Methods of improving China's commercial banks operating performance mainly include: Improve the security and liquidity,improve ability to resist risk;To speed up the pace of business innovation,improve profitability;To optimize the organizational structure,pay attention to personnel training,improve operation ability;Strengthen the rational allocation of financial resources,promote development ability,etc.