Empirical Study On The Operating Performance Of Listed Commercial Banks In China

In modern society,both economic operation and people's daily life are inseparable from finance.As the core component of financial industry,commercial banks have an absolute influence on economic development.In recent years,the development of internet finance in China is accelerating,the reform of interest rate liberalization tends to be improved,and structural contradictions in economic operation are prominent.Under this economic background,the development of China's commercial banks has brought severe challenges,such as intensified competition,slowing growth,narrowing interest margins and declining profitability.Therefore,in view of this,it is of great significance to adopt a set of correct methods to accurately evaluate the operating performance of China's commercial banks and guide the sound operation of the banking industry.This is not only a requirement for China's banking industry to improve its operating capacity and meet challenges,but also a requirement for bringing the banking industry into full play as a stabilizer of national economic growth.As of 2017,25 listed commercial banks in China,including five state-owned commercial banks,eight joint-stock commercial banks and 12 urban commercial banks,have been selected as research objects in this paper.Firstly,according to the data of the annual report of the last three years,the financial indicators of the research objects are compared and analyzed.The following is an empirical study.By referring to the literature on the operational performance evaluation system of commercial banks at home and abroad and comparing various evaluation methods,this paper determines to adopt factor analysis method and take the representative 13 index data as the research object.In the empirical analysis,four public factors,namely,growth capacity factor,profit factor,asset quality factor and liquidity factor,are sorted out,and the scores,comprehensive scores and rankings of each public factor of 25 listed commercial banks in China are obtained according to the empirical analysis.Finally,based on the research results and economic background,this paper puts forward practical and effective suggestions to improve the performance of commercial banks in China.