Study On The Operation Performance Of Commercial Banks In Listed Cities

As an important part of commercial banks,city commercial banks have both commercial and joint-stock characteristics,as well as distinctive local characteristics.Whether it is from the original intention of its predecessor credit cooperatives or to support local enterprises now,The provision of financial services by enterprises and individuals reflects the close connection between the services of urban commercial banks and the local economy,and the support of urban commercial banks to the development of local enterprises.With the growing demand for financial return to serve the real economy,urban commercial banks are playing an increasingly important role in supporting the development of SMEs.In 2015,the China Securities Regulatory Commission issued the Questions and Answers on the Issuance and Supervision of Small and Medium-sized Commercial Banks,which answers eleven points that banks,especially small and medium banks need to pay attention to when applying for listing,and issues a new round of listing for small and medium-sized banks.Signal.In 2016,Bank of Jiangsu,Bank of Guiyang,Bank of Shanghai and Bank of Hangzhou successfully listed on the A-share market.Financial supervision was tightened in 2017.Until 2018,Bank of Chengdu,Bank of Zhengzhou and Bank of Changsha were listed.Banks,Xi’an Bank,and Bank of Suzhou are listed,and city commercial banks are occupying an increasingly important position among listed banks.This article comprehensively uses the literature analysis method,comparative analysis method and empirical analysis method,and strives to understand the operating performance of listed city commercial banks.It starts from five aspects of profitability,development ability,risk control ability,liquidity ability and management ability,and combines factor analysis.In order to find out the strengths and weaknesses in the operation of commercial banks in listed cities,and make recommendations for improving the performance of commercial banks in listed cities,a comparative analysis with listed state-owned banks and joint-stock banks is required.According to the preliminary analysis of the status quo,the listed city commercial banks lag behind the listed state-owned commercial banks and joint-stock commercial banks in terms of profitability,are superior to the listed state-owned banks and joint-stock banks in terms of development capability and risk control capabilities,and are superior to the listed state-owned banks in terms of liquidity.But lagging behind joint-stock banks,the largest shareholders of listed city commercial banks in management capacity hold significantly less shares than listed state-owned banks and joint-stock banks,and have lower equity control than listed joint-stock banks,slightly higher than state-owned banks.Through further factor analysis,the performance ranking is obtained.Comparing the performance scores of the three types of banks,it can be seen that the performance rankings of listed city commercial banks in terms of profitability,development ability,risk control ability,and liquidity ability are basically consistent with the status quo analysis.It also needs to strengthen its capacity and liquidity,and it is superior to listed state-owned banks and stock banks in terms of development capabilities and risk control capabilities.According to the performance scores in management capabilities,it can be seen that listed city commercial banks lag behind listed joint-stock banks.Judging from the fact that listed city commercial banks ’shareholdings and shareholding control ratios of the first largest shareholders are lower than joint-stock banks,a modest increase in the shareholdings and shareholding control ratios of listed city commercial banks’ first largest shareholders is important to improve their operating performance.advantageous.Therefore,based on the research results,this article puts forward specific suggestions from three aspects of strengthening the profitability,liquidity,and management capabilities of listed city commercial banks in order to improve the operating performance of listed city commercial banks.