A Research On The Improvement Of Chinese Small And Medium Listed Banks' Operating Performance

With the Chinese economy step into the new normal,also the volatility of financial markets and the competition between domestic banks was growing more.The foreign commercial banks has a long history and experienced in financial strength,management,business innovation and technology product development etc.They have the obvious advantage than our domestic banks.The purpose of this study is to make an objective and accurate evaluation of the small and Medium Listed Business Banks according to their business performance,aimed to identify their peers especially the gap between foreign banks,thus find the position in the industry,and then find out the reasons causing the gap,improve management and the level of performance,to maintain its leading position in the international competition.This paper first defines the concept of performance management and performance of commercial banks,analyzes the characteristics of the operating performance of small and medium-sized listed commercial banks,to determine its connotation,and review and classify the existing evaluation methods of banking performance,to provide theoretical support for the empirical analysis of the third chapter.Then,on the basis of the existing research results.In this paper,from the angles of the performance of operators,profit level,service level and cost efficiency perspective,aimed to design a set of scientific and effective performance evaluation index system of commercial banks.In the part of empirical analysis,the 11 listed commercial banks and 3 representative foreign banks was taken as the samples.Using the factor analysis method to determine the weight of each index,and calculates the factor scores and comprehensive score ranking,then according to the results of factor analysis,make a labor of sample bank's operator performance,profitability,services capacity and cost efficiency.Draw the following four conclusions: first,the business dealer performance of small and medium-sized listed commercial banks in China is not prominent.All lower than three foreign banks,also has a week link of management;second,the investment and PUFA banks has a better area and position,so they have the high profitability.While the Nanjing and Ningbo banks ranking behind due to their size restrictions.Third,on the performance of service capacity and cost efficiency,the research samples is uneven.But most the domestic banks are better than external.Fourth,although the performance is improved after reform and list,but from the view of overall score,there is still a big gap with foreign banks.Finally,based on the empirical analysis,from these points of the cost efficiency control,target market and customer,human resources management and financial innovation.Hope to give some improvement suggestions for small and medium-sized listed commercial banks of our country and the formation of core competitiveness of small and medium sized listed commercial banks in China.