The Research On Influencing Factors Of Operating Performance Of Chinese Listed Banks

With the continuous development of China's market economy,the modern commercial bank has become the most important financing mechanism in China's economic activities and it is the core of the financial system that has great influence on the development and regulation of national economy.Therefore,commercial banks operating performance will determine not only the operation of the banking system,but also affect the country's economic development.At present,in China,our country has formed the subject of state-owned commercial banks,national joint-stock commercial banks,city commercial banks,pluralistic competitive pattern of rural commercial banks and foreign banks as a supplement;the world,in China's market economy and Opening RMB business opening opportunity,foreign banks have entered China,including foreign banks,branches of foreign banks and joint venture banks,domestic and international situation of China's commercial banks The development of a huge challenge and pressure.At the same time,with the interest rate market-oriented process,banks rely on traditional deposit and loan spreads profit management ability has gradually weakened.In this case,to raise the competitiveness and maintain higher operating capacity,China's commercial banks must find new profit growth point to enhance their comprehensive competitiveness,improve its operating results.In view of this,this paper takes 16 listed banks as an example,through the SPSS measurement software,using the factor analysis method study on the influence of operating performance of listed banks,and the main influence factors for each bank puts forward measures to improve the bank's operating performance,and promote the development of financial industry.This paper mainly uses the theory and method of statistical analysis,the first chapter is the introduction,mainly explains the background and significance of the article,the main contents and research methods,innovation and deficiencies of these three aspects.The second chapter puts forward the theoretical basis of operating performance of Chinese listed banks evaluation,firstly introduces the relevant contents of commercial banks' operating performance,and then describes the theoretical basis of performance evaluation from four aspects,sush as agency theory and modern management theory.The third chapter describes the status quo of Chinese listed banks and the existing problems.The fourth chapter analyzes the main factors that affect the performance of Chinese listed banks from the macroeconomic and microeconomic perspectives,and selects 14 financial indicators from the microeconomic point of view.The fifth chapter is the empirical analysis of the factors influencing the performance of Chinese listed banks.Firstly,this paper uses SPSS software,according to the financial data of 16 listed banks in 2015,using factor analysis method an empirical analysis of China's listed banks operating performance;then,based on the results of factor analysis,factor score ranking of 16 listed banks;finally,on a single A factor score and total score ranking factor were analyzed.The sixth chapter is based on the analysis results of the fifth chapter,aiming at the influence factors of the state-owned commercial banks and joint-stock commercial banks operating performance,puts forward corresponding countermeasures and suggestions.In order to improve their business performance,which focuses on China's state-owned commercial banks,this paper will provide following five aspects:(1)Reform the property rights system,improve the governance structure.(2)Reinforce management,reduce management costs.(3)Actively carry out intermediary business to improve profitability;(4)Improve asset quality and enhance security;(5)to strengthen financial innovation.For the joint-stock commercial banks in China,this paper also proposes six aspects:(1)Speed up financial innovation.(2)Adjust the operating structure,strengthen liquidity management;(3)strengthen cost management;(4)Plain the blueprint of strategy,persist sustainable way.(5)Speed up the information construction,improve technical efficiency to achieve economies of scale;(6)Establish and improve the credit concentration of the early warning system,optimize the credit structure.