Research On The Influencing Factors Of Operating Performance Of Small And Medium-Sized Listed Commercial Banks In China

In the past 40 years of reform and opening-up,China's economy has developed rapidly,but the socio-economic development has moved from a high-speed growth stage to a steady,low-speed qualitative and incremental period,and the socio-economic reform has stepped into a deep-water area of attack.The country's economic development faces more unstable factors.The downward pressure and contradiction in economic development are becoming more and more prominent,financial and economic factors are more and more serious and risk control supervision is increasingly strict,and socio-economic science and technology are developing rapidly and iteratively,especially in the Internet,cloud computing,big data,AI,With the rapid development of the Internet of things and block chain technology,the banking industry,especially the small and medium-sized commercial banks in China,is facing the severe economic development situation at home and abroad and the development of financial science and technology.Rapid development,in order to develop their own business performance,small and medium-sized commercial banks in China should comprehensively grasp the future development situation from macro,medium and micro factors,in order to adjust the development strategy so as to improve their management performance.To realize the transformation and development of small and medium-sized commercial banks.Based on the principle of principal component analysis,this paper takes 20 small and medium-sized commercial banks listed in A-share market in 2017 as their empirical research objects,and selects 12 sample statistical data factors,from the macroscopic point of view.Medium-sized and micro-level analysis of the impact on the performance of small and medium-sized listed commercial banks in China.According to the scores of each component of the four principal components,and the mathematical calculation principle of principal component analysis,all the selected empirical research objects were statistically calculated.Finally,all the comprehensive scores were obtained,and the ranking and empirical analysis were carried out Through empirical analysis,we can see that in profitability,solvency,resilience In order to speed up the strategic adjustment of small and medium listed commercial banks in China,the influence degree of risk ability,liquidity ability and sustainable development ability on their business performance is put forward,and the corresponding policy suggestions are put forward.Finally,to achieve its own internal business expansion and improvement,improve its business performance to promote its rapid development from small to large.In the first part,it mainly analyzes the development process of listed banks' operating performance at home and abroad and the related influencing factors,as well as the latest research results.To provide further research direction and analysis of the scope and depth of the problem.The second part deals with the concept of the nouns of the relevant research objects from the perspective of the source.Definition,in-depth analysis of the whole content of the research object,but also for the next research to provide a theoretical knowledge of the reserve.The third part focuses on the analysis of the operational performance of small and medium-sized listed commercial banks in China the actual situation of the development and the market standards reached to provide a powerful practical development support for the next step of using mathematical models for empirical analysis.The fourth part uses the mathematical statistical model to get the data value of the object studied,and analyzes its reasons according to the influence of the factors.The fifth part is based on the problems highlighted in the above analysis and puts forward scientific countermeasures.