Evaluation Of Financial Innovation Ability Of Domestic Listed Commercial Banks

Commercial Banks is the core part of the financial system in China, and innovation is the main line, in the development of commercial Banks innovation capability directly affects the market competitiveness of commercial Banks, but how to use empirical method to evaluate the financial innovation of commercial Banks is the emphasis and difficulty in theoretical research subject, by empirical data analysis, various commercial bank financial innovation ability of high and low, so as to determine their own competitiveness, and analyzes each big commercial bank financial innovation in aspects of the shortcomings and improved, the future development of commercial Banks in domestic market has very important significance.In this paper, starting from the theoretical foundation of financial innovation, combined with the characteristics of Chinese commercial Banks, discusses the listed commercial Banks in China the status quo of the composition of financial innovation ability:first of all, from the two aspects of international and domestic has carried on the contrast to the development of financial innovation from the paper; And combining with the report data of listed commercial Banks in China two years on the overall performance of listed commercial bank financial innovation made a simple analysis; Finally from the financial business innovation, innovation in financial technology, financial management innovation, the innovation of the financial risk of listed four aspects to the current our country commercial bank financial innovation of this paper expounds in simple. Of listed commercial bank financial innovation in our country present situation analysis, this paper puts forward the restriction of listed commercial bank financial innovation ability of five factors, including the external environment of financial innovation, the formation mechanism of financial innovation, financial innovation strategy and objectives, research and development of financial innovation, financial risk management ability.The main part of this article is from financial business innovation ability, the financial technology innovation ability, financial management innovation ability and the financial risk management innovation ability from four aspects to choose the nine indicators to build commercial bank financial innovation ability evaluation index system, and carries on the descriptive statistical analysis; On this basis, using factor analysis method to extract the three principal component to the our country commercial bank financial innovation ability evaluation. Empirical shows that state-owned commercial Banks with the support of its comprehensive strength of product innovation, pay attention to science and technology input and show the strong innovation ability, city commercial Banks restricted because ability and innovation ability is weak, the innovative ability of joint-stock commercial Banks in between, China merchants bank, because pay attention to the characteristics of business development and brand promotion in joint-stock commercial Banks to show the most prominent; Finally, combined with the result of empirical analysis in this paper, on the future development of China’s listed commercial bank financial innovation put forward some Suggestions: commercial bank financial innovation and the market demand to form the benign interaction; Set up the management system to adapt to the characteristics of financial innovation; Will risk management through innovation always; To promote technology in the application of innovation; Set up to adapt to the supervision of financial innovation idea and the way of supervision; Construction of the external environment conducive to innovation; To promote the public basic education popularization.