The Operating Efficiency Analysis Of Huaxia Bank

Economic growth is the source for the accumulation of capital, and the accumulation of capital relies on the transformation mechanism between the saving and investment,the transformation financial mechanism between the saving and investment is divided into two types- the direct and indirect financial transformation mechanism of financial transformation mechanisms. Because China’s capital market started too late,openness is relatively low, thus, the intermediary banks play an important role in the saving-investment transformed. The bank obtains the source of funds through financing and lend money to others to achieve their own objectives namely and pursuit profit maximization at the same time, the completion of the intermediary role of savings into investment conversions. Thus, banks promote capital formation, economic development plays an important role, the study bank operating efficiency to enhance its management capacity, promote economic growth plays an important roleThis paper selects Huaxia Bank as the research object.According to the principle of Scientific, gradation and operability,this paper has set up Huaxia bank operating efficiency index system. The index system is divided into three aspects profitability indicators, management ability, ability to resist risk indicators.Based on the vertical analysis and horizontal analysis method.This paper analysis the current situation of Huaxia bank efficiency.First of all,Select the Huaxia bank related data in 2010-2014.Analysis Huaxia bank operating efficiency about profit ability, management ability, ability to resist risk.China merchants bank, minsheng bank, industrial bank, China citic bank, Shanghai pudong development bank five Banks in 2010-2014 data for five years. Finally,the conclusion is that Huaxia operating efficiency is low compared to the same industry.Analy the reason of low efficiency of Huaxia bank and give the relevant policy recommendations.