Research On Performance Index Of Commercial Banks Based On Rough Set

With the deregulation of the financial market,the number of commercial banks has increased sharply,and the rise of network finance has gradually squeezed out the profit space of commercial banks.Commercial banks are facing double pressures from their peers and Internet finance.In order to be invincible in the competition,commercial banks must strive for excellence in various business fields,and one of the important aspects is to improve their own performance.Therefore,it is necessary to strengthen the research on the performance of commercial banks.The existing research methods of commercial bank performance are various,but more or less there are some shortcomings.This paper chooses rough set as a tool to study the performance of commercial banks,rough set as a data processing tool.In dealing with uncertain information,there are advantages that other methods do not have.In this paper,a performance evaluation model of commercial banks is established based on rough set.Using the characteristics of rough set in data mining and information processing,we get the relevant indexes that really affect the performance of commercial banks.On the research object,this paper chooses five state-owned commercial banks.Twelve merchants,including seven joint-stock commercial banks and three city commercial banks In addition,after taking into account the liquidity,security and profitability of commercial banks,this article will focus on the profitability of commercial banks and the security of their operations.Starting from four aspects of liquidity and the potential for future development,that is,development capacity,we choose the cost-income ratio,the net income rate,the basic income per share,the capital adequacy ratio,the reserve coverage,the non-performing loan ratio,the ratio of funds taken out,and the deposit-loan ratio.The average growth rate of operating income,the average growth rate of profit in three years,the growth rate of deposits and the growth rate of earnings per share are 12 indicators to study the performance of commercial banks.In order to measure the performance of commercial banks.