Huaxia Bank Performance Evaluation System Construction Research

With China's entry into the new normal,“ three stages of economic development ”,the structural reform of supply-side,economic trasformation and upgrading will make profound changes in the banking sector.Commercial banks are bid farewell to high growth,high interest rates,high profits' s ‘three high Era'.As an important part of the financial intustry,the business performance of commercial bank always being widespread concern in the community.Commercial banks are financial enterpriser and its business and debt structure has a distinct uniqueness,so it is a method for evaluating the performance of general manufacturing enterprises and commercial enterprises but not suitable for the performance evaluation of commercial banks.As the fifth listed banks in the country,HuaXia Bank set up the 38 primary branches,the 45 second-level branches and the 9 remote branches in the center of the88 cities,the branch network gets the aim to 789,formed a agency system that“basing on economically developed cities,standing firm in the country”,to set up a agency service relationship with more than a thousand offshore banks,the network of the agent banks throughout 115 countries in five continents and areas of 354 cities,to structure a settlement network that cover the world's major trade areas.In this article,on the basis of taking the example by enterprise performance evaluation,research results and practical experience at home and abroad,analysis of the influencing factors of the HuaXia Bank's performance evaluation,structuring the HuaXia Bank's performance evaluation index system,and using the nearly three years' financial data of 16 commercial banks including HXB for the samples for factor analysis,so as to put forward the methods of improving the HuaXia Bank's business performance evaluation.The main conclusion of this article:(1)The construction of performance evaluation system of HuaXia Bank should keep to the combination of reciprocity,comprehensiveness and importance,feasibility and objective and other principles.Operating performance evaluation index include return on assets,all capital earnings rate,operating income margin,current ratio,capital adequacy ratio,non-performing loan ratio,growth rate of total assets,increase rate of business revenue,net profit growth rate,deposit growth rate and other ten indicators.(2)The scale of state-owned commercial banks is large,but the operating performance is relatively poor while Joint stock commercial banks have relatively small scale butrelatively good operating performance.As a joint stock commercial bank,Although the operating performance of HuaXia Bank fall behind similar banks like China Merchants Bank,Shanghai Pudong Development Bank,Industrial Bank,Ping An Bank and so on,at the same time it also means that HuaXia Bank still have a large space in elevating scale and efficiency(3)Hua Xia Bank should combine trend in development of commercial bank and self management practice,by strengthening the cost management to improve profitability,strengthen risk management to improve the quality of assets,strengthen financial innovation to improve the ability of development and then we can improve our operating performance and core competitiveness of the market so that the development of can be filled with motive power,potential and vitality.