Research On Performance Evaluation And Influencing Factors Of State-controlled Commercial Banks From The Perspective Of New Regulation

"Finance is an important instrument of the country and the blood of the national economy." As an important part of China’s financial system,state-controlled commercial banks play the role of financial "weight".They must serve the national development strategy and the development of the real economy.In January 2021,the Ministry of Finance issued a new Measures for the Performance Evaluation of Commercial Banks,which specifically increased the proportion of the performance of state-owned commercial banks in the national development strategies of services(inclusive,green,etc.).This policy orientation and the previous impact on the profitability and safety performance evaluation of commercial banks have become a noteworthy issue.This paper uses efficiency as the proxy variable of performance level,using the SBM model to measure the performance level and traditional profitability when serving the national development strategy,focus on the difference between results,through the Tobit model,thus proposed how to effectively improve the performance level when supporting the national development strategy.The empirical study shows the following conclusion: the overall performance of state-controlled commercial banks in serving the national development strategy is lower than the opposite;for the single state-controlled commercial banks,in the last year,2020,the national development strategy.In terms of efficiency factors,the proportion of non-interest income in total income can boost the efficiency improvement of two groups;asset scale,liquidity ratio,loan total proportion to average total assets,interest rate liberalization and M2 growth rate of both groups;equity concentration only has significant positive effect on profit efficiency but not service national development strategy;the growth rate of fixed asset investment only has significant negative correlation with profit efficiency.Finally,national commercial banks should adjust their strategic goals,control asset scale and liquidity level,pay more attention to the quality of assets,revitalize stock assets,improve the credit standard,identify the new track,advance,create competitive advantage in green industry,emerging industry,inclusive micro,establish targeted dynamic balance mechanism and information sharing platform.