The Operating Performance Evaluation And Promotion Strategy Research Of City Commercial Banks In Southwest Economic Zone

In recent years, thanks to rising economy cycle and the overall prosperity of banking, southwest economic zone city commercial Banks in China to grow rapidly, effectively promote the local economy and the improvement of living standards of the residents. But as the "twelfth five-year" period the change of economic growth mode and the advancement of marketization of interest rate, makes our country banking industry competition intensifies, the southwest economic zone city commercial Banks operating performance are also put forward higher requirements. Therefore, how to build a scientific and efficient performance evaluation system, in order to enhance the core competitiveness of China’s southwest economic zone city commercial Banks and integrated operational efficiency, will be decided to southwest economic zone city commercial Banks in the current macroeconomic environment healthy and sustainable development of major issues. To this, the article explores the southwest economic zone city commercial bank’s development present situation, using the factor analysis method, constructs the management performance evaluation system, and select the southwest zone 16 city commercial Banks as the research sample, the sample Banks’ operating performance has carried on the empirical analysis, and gives the relevant policy recommendations according to the results of the analysis. The results will be for our country banking industry especially southwest economic zone city commercial bank in the future of scientific practice, provide important theoretical basis and decision-making reference.General in this paper, specific research contents include: the first chapter, mainly introduced the research background and research significance, the domestic and foreign research trends, research contents and train of thought, research methods and data; Second chapter theory review and reference, mainly defines the related definition of city commercial Banks operating performance evaluation, and combed the theory of modern financial intermediation theory, efficiency, structure and other related theoretical results, in-depth analysis the influence factors of the bank’s performance and evaluation method; The third chapter analysis of the situation, mainly introduced the basic economic situation of the southwest zone, examines the operation and development of city commercial Banks in the area of information; Chapter iv index system building, mainly describes the city commercial Banks operating performance evaluation index system design principle, the typical evaluation indexes, and thus build a bank performance evaluation index system. The fifth chapter the empirical analysis, mainly through the sample selection, data processing and factor model, the empirical analysis respectively from regional and comprehensive evaluation of the business performance of the individual level, and researches in the evaluation results of the sample Banks. The sixth chapter research conclusion and policy recommendations, mainly introduced in this paper, the main research conclusion, put forward policy Suggestions, and further research problems.Research conclusion of this paper aremainly:(1) the sample banks in Dazhou Commercial Bank,etc. They show high performance comprehensive evaluation, most of them are located in the western political and economic strategy center, financial center and the provincial capital cities, with more advanced and perfect management system and risk control of bank’s technical level, and the enterprise are numerous with a good momentum of development, and their financing needs of city commercial Banks are urgent. Comprehensive evaluation of speed and performance has been relatively stable in Yuxi City Commercial Bank, etc.The banks’ management level in the whole are at the average level of the Southwest Economic Zone, but still lack a certain competitive power, also need to actively explore the reform of its transformation path. And PanzhihuaCommercial Banks prefecture comprehensive evaluation result is poor in improving profitability,guarding against operational risks, mining overall capacity. These Banks have some common fault: the amount of total assets growth is slow, appear even shrink the negative growth phenomenon, intermediary business profit space is little, income structure is too concentrated, at the same time, the bad assets larger sums. (2) the sample Banks operating performance comprehensive score is closely related to the local economic development level. The capital of Sichuan, Chongqing and the surrounding city of city commercial Banks operating conditions is superior to far away from the provincial capital city and is located in Yunnan, Guizhou, Guangxi and other economic underdeveloped minority provinces of city commercial Banks operating conditions, relatively poor natural conditions, limiting its overall development level of industry and commerce, lack of small and medium-sized enterprises and private enterprises economic vitality, so the southwest economic zone city commercial Banks operating performance level presents obvious regional differences.Based on the above research conclusion, this paper puts forward policy suggestions mainly include:(1) the implementation of market segmentation, select effective strategy mode. Be specific to the customer, the effective positioning of products and services, regional three aspects. (2) improve the quality of assets, reduce non-performing loans. To fully understand the macro economic fluctuation influence on bank credit asset quality, establishing reasonable quality of credit assets management target, establish reasonable portfolio to adapt to changes in the economic cycle, improve post-loan management, right and disposal of bad assets disposal period. (3) strengthen internal control and risk management, ensure safe steady operation. To establish and perfect the internal information system, the standard data format, data true and sources of unity, gradually establish a covers all business risk monitoring, early warning and assessment system, constantly improve the internal supervision and review of the quality of staff and professional ethics. (4) innovation management actively, develop intermediary business. To the rational allocation of limited resources, optimize the income structure, expand the fund, guarantee, and the bank on the net new business cooperation between Banks and insurance companies in the field of market share, establish corresponding information processing tools. (5) strengthen the cost management, improve profitability. Must set up a comprehensive cost management concept, establish and improve the cost control management system, strengthen the financial management innovation.