Research On The Optimization Of The Comprehensive Performance System Of Commercial Banks From The Perspective Of Industrial Credit

As the government attaches more and more importance to the regulatory role of industrial policies in stimulating the economy,commercial banks,as an important channel for the implementation of industrial policies,still only maintain and increase the value of assets as the performance evaluation standard,which can no longer reflect the contemporary social value of banks.Therefore,optimizing the performance evaluation system of commercial banks from the perspective of industrial policy can better reflect the contribution of banks in social responsibility.At first,this paper reviews the literature at home and abroad.In the foreign literature review,foreign literatures were collected from the perspective of operational performance evaluation based on investors,external performance evaluation based on social intermediary,and comprehensive performance evaluation based on the perspective of relevant external banking institutions.In the domestic literature review,domestic literature is sorted out and analyzed from the relationship between the performance of commercial banks and social responsibility,green credit and industrial structure.Then the paper studies the social performance of commercial banks.This paper mainly discusses the practical significance of optimizing the social performance evaluation system of commercial banks from the perspective of industrial policy from the reference significance of the equator principle and the national conditions.Finally,through the questionnaire survey,taking the dongguan branch of the bank of China as a case,this paper analyzes the effect of its financial performance and social performance,and also compares the relationship between financial performance and social performance comprehensively.In this paper,indicators representing the breadth(number of projects),depth(composition ratio)and risk measurement(non-performing loan ratio of projects)of industrial policy loans are selected as general indicators of each industrial policy,and are initially applied in the questionnaire survey,from which some inconsideracies are found.At the end of this paper,these deficiencies are summarized for the convenience of future research.