Comparative Analysis Of Business Performance Of Commercial Banks Before And After Listing

The operating performance reflects the overall competitiveness and management level of the bank.The performance of the bank determines the quality of the bank’s future development.Previous studies by scholars on the impact of listing on bank performance have mostly led to the negative impact of listing on performance,whether this situation is reflected in all types of banks,and if so,why are there so many banks? In the active preparation for listing,what is the difference between the performance of commercial banks before and after listing,and what factors will be affected,I determine the research objectives based on the existing data.This paper focuses on comparing the changes in performance of banks before and after listing,and the reasons for the fluctuation of performance indicators after listing,using the combination of financial indicators and non-financial indicators,and the current economic situation,taking Minsheng Bank as a case analysis object,first through Compared with the main financial data of the entire banking industry from 1997 to 2018,a horizontal and vertical analysis is conducted to study the competitiveness fluctuations in the general industry in terms of business performance before and after listing;and then through comparison with before and after the listing,The macro situation analyzes the changes in various indicators affecting performance,analyzes the causes of fluctuations in indicators,and suggestions for improvement.Through research and analysis of the performance changes of Minsheng Bank since its establishment,the data coverage area is from 1997 to 2018,and the scope has been expanded on the basis of previous research.Since 2014,the country has formulated many new economic regulations in line with the international development situation,which is inevitable.It will have an impact on the strategic formulation of commercial banks,and this impact will be reflected in the performance of banks.Through the comparative analysis of the case,the following conclusions can be drawn:(1)In the early stage of bank listing,due to the earnings management mechanism and the agency cost after listing,there will be a performance decline.With the large amount of high-quality capital brought by the listing,the performance will gradually improve and the advantages will be improved.It will be directly reflected in financial indicators from the third year of listing.(2)Strict supervision and information disclosure after listing makes banks adjust their business strategies at any time,optimize governance,reduce non-performing loan ratio,increase non-interest income,and increase industry competitiveness.(3)Under the new economic form and policy,it has brought a series of challenges to listed banks.For example,the growth of profit growth,the decline in asset quality,and the increase in credit scale will create a certain capital gap,and capital replenishment will face challenges.(4)The traditional income structure of the banking industry has been unable to adapt to the new development requirements,and its profitability needs to develop new ways if it is to be sustainable.(5)Due to the particularity of the banking industry,business performance is greatly affected by the domestic and international as a whole.For example,the bank’s profitability capital structure and growth capacity are affected by the national economic situation and the international financial environment.The conclusions drawn from the analysis can make corresponding countermeasures and suggestions for the listed banks according to their own advantages and disadvantages,and provide reference data for the banks preparing to go public.