Joint-stock Commercial Bank Performance Evaluation System

As is well known, the commercial bank is a special enterprise. The business line of managing currencies determines that it is a highly risk industry and it might result in systematic risks and social instability more than go bankrupt only if it is not well managed. Especially since the great depression, governments have laid growing emphasis on the scientific evaluation and management of the commercial bank and the scientific analytic methodology has been developed gradually. Governments, regulatory agencies and the management are all concentrated on the establishment of a scientific, complete and timely evaluation system to precaution crises.The performance evaluating system of the commercial bank is the methodology and procedures of the measurement and evaluation of the commercial banks'activities. It includes the outside evaluation of the banks'business results and the inside managements'evaluation of the staff and braches. Academic researches into the problem contribute to the improvement and strengthening of management and helps prevent financial crises and better resources allocation.The western performance evaluating system falls into three categories: the regulatory performance evaluating system, the social intermediary performance evaluating system, and the self-disciplinary performance evaluating system. Different systems put emphases on different indicators and indexes, but with the globalization of banking, the different systems tend to converge. However the western different evaluation systems of different countries have their own features.The performance evaluating system of the commercial bank is a strongly practical subject. It is the result of economic reformation and opening and it will also contribute to the right development of the economic reformation and opening. Therefore this paper tries to do some...