Research On The Influence Factors Of The Performance Of Commercial Banks Listed In China

The world economy has entered a deep transitional adjustmentsince the international financial crisis, our country economy also entered in the high-speed growth to a new stage of growth.With interest rate marketization comprehensive advancement,deepening system reform,financial disintermediation highlighted furtheras well as the challenge of the Internet financial, the traditional profit model also faces a growing challengeafter many years of rapid growth.Combined with the efficiency of the overall economic development in China is facing downward pressure, decline in profitability, long-term accumulation and constantly exposed to credit risk of Chinese commercial Banking business, which performance management has to face the huge challenge. The commercial Banks have to adapt to the demand of the new normal economy, and make appropriate adjustments in the process of daily operation and management.It is necessary that exploring the main factors influencing the business performance, and thus improve the commercial bank value creation ability and the performance management level. How to improve China’s commercial Banks value creativity and business performance management has become bankers and majors’important topic.Based on performance evaluation of research results at home and abroad for reference, through qualitative and quantitative analysis, theoretical analysis and empirical analysis method, starting from the basic concept and theoretical basis of business performance, combined with the particularity of our country commercial bank management, selected the 16 a-share listed commercial Banks in China 2008-2014 annual report data processing and analysis, by using the EVA model to the operating performance of listed commercial Banks in China empirical research, and to constitute the EVA model formula NAPOT, WACC, TC three variables to make corresponding adjustment, suitable for our country banking industry EVA value calculation formula of correction model to measure the Banks of the EVA value and evaluate simple comparison, in order to eliminate the influence of scale factor here introduces the concept of economic value added income there. This paper 16 listed commercial Banks in China, the factors affecting the operating performance of empirical research, according to bank profitability, safety, liquidity and growth of four as the guiding ideology, from the asset scale, profitability, asset quality, loan concentration, degree of innovation and capital management, and other aspects to choose to choose explanatory variables, specific growth rate of total assets and non-performing loan ratio from among the 11 indexes as there are explained variables panel model regression analysis. In the establishment of regression model method to choose the method of eliminating backward, according to the P value from large to small order of sequence to eliminate variables, three of the last remaining in the model effective variables are return on equity (ROE), and the TEN largest proportion of loans to customers (TEN), operating profit margin (OPR).The empirical results show that there are and the return on equity (ROE), and the TEN largest proportion of loans to customers (TEN), operating profit margin (OPR) were positively correlated. According to the empirical results, further putting forward to improve our country commercial bank performance management level corresponding suggestions:1.To optimize the structure of capital assets, and set up the prudent management idea; 2.To develop intermediary business vigorously, improving asset profitability; 3.To establish and perfect the early warning system of credit concentration, optimizing the credit structure.