| Along with full opening of Chinese financial industry, foreign banking giants file into China. Besides, state-owned banks have successfully accomplished joint-stock reform, and new joint-stock commercial banks are growing strongly. Facing fierce competition in domestic banking market, city commercial banks'operating environment has deeply changed, their market share declining, asset quality and profitability continuously reducing and operating risk greatly increasing. Under the complex environment, scientific, objective and impartial evaluation on business performance level attach directly to city commercial banks'stable and healthy operation.In this paper, taking city commercial banks as my research object, I try to design a rational and effective performance evaluation index system to appraise their operating performance scientifically and impartially , thus to continuously improve their core competitiveness. Firstly, I introduce the research status of performance evaluation at home and abroad and point out the necessity and feasibility of research on the performance evaluation in city commercial banks. Secondly, theoretical basis and evaluation methods of banks'performance evaluation are introduced, then I analyze problems of the present evaluation methods based on comparison of three common evaluation methods. Thirdly, according to the specific principles in index choice and characteristics of city commercial banks, and taking financial indexes and non-financial indexes, short-term indexes and long-term indexes, quantitative indexes and qualitative indexes into account, I design a multi-index, multi-level comprehensive evaluation system and use AHP to determine the weight of each index. Finally, I take QL Bank and WHS Commercial Bank for example, analyze the two banks'2008 annual reports, calculate their comprehensive performance evaluation scores and compare the level of their operating performance in order to makes an empirical analysis on the evaluation system above. |
PDF Full Text Request