A Comparative Analysis Of The Financial Performance Of The Listed City Commercial Banks And Joint-stock Commercial Banks

In 2006,with China's accession to the WTO and the full liberalization of the financial industry,financial industry is at the heart of the banking industry,makeing our country banking industry in the new era of competition.In guided under the policy of opening to the outside world,foreign Banks have invested heavily to domestic,with its innovative technology,flexible operation and management mode and quality and efficient service to the domestic banking industry has brought great pressure.At home,all five shareholding system reform and state-owned Banks,the private joint-stock commercial Banks and the local government investment holdings of local commercial Banks is increasing,make the competition between Banks.In this fierce competition under the background of how to effectively avoid the listed city commercial Banks and joint-stock commercial Banks,financial risk increase profitability and operating efficiency,and get great progress and development of the joint-stock Banks listed firms in the city and financial performance analysis was imminent.Based on the theory of bank's financial performance,using ratio analysis,structure analysis,trend analysis and the research methods of comparative analysis to the three city businesses with seven comparative study on financial performance of the joint-stock commercial Banks,through the establishment of bank performance evaluation system,points out that to confirm the performance evaluation indicators,so that Banks can strengthen risk control.This paper is divided into six parts:First of all,through to the listed city businesses at home and abroad,the time background of joint-stock Banks face the comb,simple introduction in this paper,the research background,significance,main content,research ideas and methods.Secondly,analysis the financial performance of commercial Banks theory,including its concept,theoretical analysis,the index system of listed commercial Banks and financial performance analysis method.Again,using the method of financial indicators from safety,flows,profitability and growth,four Angle analysis of city commercial Banks and joint-stock Banks' financial performance.The fourth part,using the method of EVA value analysis,select three city businesses and seven joint-stock commercial bank nearly five years of data for research,comparative analysis of the EVA value from this time period.The fifth part,conclusion and suggestion,using comparative analysis research method,comparison analysis city of three listed firms with seven financial performance of the joint-stock commercial Banks in 2008-2012,and analyze the advantages and disadvantages of two categories bank,and Suggestions are put forward according to the respective disadvantages.The last part is the conclusion.In conclusion,based on the theory of bank's financial performance,through to the city commercial Banks and joint-stock Banks nearly five years of financial data collection and analysis,comparing the current situation of the development of two types of Banks,thus draws the corresponding conclusion.