Research On The Performance Evaluation In CZ Commercial Bank

The current competition in the domestic financial sector is intense,the financial industry as part of the banking industry,the traditional performance appraisal standards can not meet the current needs of banking business development and management.Individual banks,not only by the competition pressure,is also facing cross-border corporate Internet banking business impact,the traditional banks to maintain a good competitive advantage in the new financial environment,must establish effective strategy,strategic development as the guidance to banks to measure the bank business development performance,compared with other peers clearly,the competition status and development direction,and the timely completion of assessment of the strategic objectives.In this paper,taking CZ Commercial Bank as the research object,starting from the theory and practice of performance assessment and evaluation mode,the domestic and foreign commercial bank performance appraisal and evaluation,analysis of CZ Commercial Bank's current performance management system practice confusion,affect the present existing problems in the performance evaluation,and the.Then,according to the CZ Commercial Bank's strategy,management,system,scientific,feasible and in line with the principle of combining qualitative and quantitative,design of performance index system is carried out from the profitability,safety,liquidity and development ability.Based on the index system of forming on the longitudinal analysis of operating performance of CZ Commercial Bank 2009-2013 five years data,and then compare with the Bank of Ningbo,the assessment and evaluation of CZ Commercial Bank's operating performance.The study found that:Overall,the CZ Commercial Bank performance is better in terms of profitability,but in recent years,the rate of bad loans,business security to strengthen prevention and deployment.From the liquidity point of view,the average level of CZ Commercial Bank's liquidity ratio is lower than that of Bank of Ningbo's,and CZ Commercial Bank must enhance the control over the liquidity of cash,ensure its short-term solvency and mitigate risks,thus improving the business performance.But analyzing CZ Commercial Bank itself,it still must be further enhanced in asset profiting,which mainly manifests as CZ Commercial Bank's over-narrow investment channels,so it still needs to further improve its ability of asset allocation.While in terms of capability,CZ Commercial Bank needs to strengthen its aftereffect,and compared with Bank of Ningbo,the growth trend of three indexes including revenue growth rate,growth rate of deposit and growth rate of non-interest income fluctuates greatly,so it should enhance the expansion and innovation of new business,and prevent from market risk and policy risk in the meantime.To further strengthen the CZ Commercial Bank's operation and management of the performance,CZ Commercial Bank can take the following strategies:improving the banking existing business structure and system,strengthen the innovation of information service level;strengthen the control and management of operational risk of banks,insurance and guarantee the high security of capital operation;to strengthen the related cost business management,improve the CZ Commercial Bank profit ability;optimize the quality of assets,non-performing loan rate decreased gradually;the optimization of human resources,training professional talents.The research object of this paper is the joint-stock commercial banks,therefore,have certain reference significance for other similar to the assessment and evaluation of the performance of commercial banks.