Research On Enterprise Value Analysis And Evaluation Of Commercial Banks Based On Residual Income Model

With the deepening of the reform of China’s market economy system,my country’s commercial banks occupy an increasingly important position in the financial market,and to a certain extent affect the development of China’s market economy.At present,there are many studies on the value evaluation of commercial banks.Therefore,how to correctly evaluate the value of commercial banks has become an important issue facing my country’s banking industry.The article takes the residual income model as the method to evaluate the enterprise value of commercial banks,selects Bank of China X Branch as the research object,and conducts value analysis based on the economic operation of the region where the Bank of China X branch is located and the internal financial information of the enterprise,and then uses the residual income model to analyze the value.evaluate its enterprise value.Finally,based on the results obtained from the analysis of the potential risks and core competitiveness of Bank of China X Branch,it is found that the Bank of China X Branch exists in the operation process: the deposit and loan interest spread is constantly decreasing,the management and control of non-performing loans are neglected,and the Unbalanced capital structure,single customer layer of loan business,lack of motivation for the development of deposit business,and lack of attention to non-interest income business.Afterwards,we will study these problems and come up with corresponding solutions for the further development of Bank of China X Branch.play a driving role.