A Comparative Study On The Operating Performance Of Listed City Commercial Banks

In recent years,China's urban commercial banks are keen on landing capital markets.In the north of Guangzhou first-tier cities market is basically saturated,and the city commercial bank two or three line city of Shengjing bank in all A new force suddenly rises.15 listed city commercial banks,from before the listing of less than 400 billion yuan of assets,in just 2 years,quickly reached more than 700 billion yuan,approaching one trillion yuan mark,asset size and speed of development industry ranked first.The development of ideas and the performance level of Shengjing bank is worth learning.The economic value added(EVA)of this index,compared the Shengjing bank and the Bank of Harbin located in the east area of the two provinces city commercial bank's development,we found that the performance of Shengjing bank level was significantly higher than that of the Bank of Harbin,in the two or three line of the city's two banks,the development gap widened significantly.By DuPont analysis,we understand that the Shengjing bank is mainly in the cost and the risk control in the industry leading other banks in the number of outlets is not dominant,in terms of cost income ratio and non-performing loan rate significantly higher than other banks.In view of this,this article believes that other banks can draw lessons from the following two aspects:1,improve cost control abilityCity commercial banks should do a better job of network distribution and the number of employees,enhance their work ability and efficiency,and properly control the cost of the period.In ensuring the provision of high quality banking services,control costs and improve the profitability of banks.2,the implementation of a comprehensive risk managementCity commercial banks will have risks at any time in their operation and need to be taken precautions against.Therefore,in order to enhance the profitability of banks and ensure stable and healthy operation of banks,a sound risk control mechanism should be established.As all sectors of the bank's business may involve risk control,so we all have to risk management tasks,institutions from top to bottom have a high degree of consciousness to identify and control risk.Ordinary staff to be familiar with the risk of each position of the bank process node,it involves close communication,communication and sharing between the risk control departments and other departments,thereby enhancing the overall risk control ability of the bank.