The Study On The Differences Of The Value Creation Ability Of City Commercial Banks

The development of city commercial banks is a microcosm of China’s financial reform and change.After more than ten years of development, city commercial banks have made outstanding achievements in corporate governance, risk management, product innovation, the scale has been enlarged growth,status has been greatly improved. Although city commercial banks as a whole more prominent, but different city commercial banks has a big gap in asset size, profitability, and institutional outlets, the difference of its ability to create value is still very obvious. Therefore, The analysis from the ideas of value creating, consider the value creation ability of China’s city commercial banks on the basis of economic value added, city commercial banks value creation ability differences influencing factors, analysis of influencing factors of value creation ability differences of city commercial banks,to enhance the value creation ability of China’s city commercial banks and provide a reference.The article is divided into five parts. Chapter Ⅰ introduces the research background and significance,research ideas and research methods;Chapter Ⅱ overview theoretical of the value of commercial banks ability from the definition,influencing factors and evaluation methods; Chapter Ⅲ overview the current situation of the development of city commercial banks from two aspects of the business and operating performance; Chapter Ⅳ measure the value of city commercial banks ability to create from the total value of EVA, economic EVA rate of return, and social EVA rate of return calculations by adjusted EVA method, estimated results show that the ability to create value for city commercial banks are significant differences; Chapter Ⅴ according to the panel data model analysis of empiric results, the degree of influence of the ability differences of the analysis of the internal management of value-driven factors such as the proportion of investment in fixed assets, loan loss reserve ratio, capital adequacy ratio, non-performing loan ratio, cost-to-income ratioability on the value of city commercial banks to create by the panel data model, the final draw relevant conclusions and recommendations.