Research On Ping An Bank Value Evaluation Based On Risk Value Orientation

The influence of interest-rate-marketization and Internet finance,the profit growth rate of commercial bank has declined rapidly,and the bad loan surplus and the bad loan rate has increased significantly since 2013.The target that commercial bank finance manage is a bank value to maximize,to realize this target,commercial bank must take into account the matching of the bank’s risk management and value-creating.To accurately assess the value of risk is the core of risk management.The main purpose of this paper is to bring the risk factors into the bank value evaluation model,on the basis of other scholars’ study on the bank risk and risk management.Then discuss the value evaluation of commercial bank based on the risk value orientation with case analysis.To provide a reference for manager to fully recognize the bank risk and to enhance the bank value.This paper introduces economic capital into the bank value evaluation on the basis of other scholars’ study on the bank risk and risk management.By analyzing the applicability of the common valuation methods to this paper,we choose the EVA valuation model.On the basis of fully recognize the connotation of economic capital,the traditional EVA valuation model is improved,then we evaluate the value of Ping An Bank.The total present value of Ping An Bank is 303.094 billion yuan on December 31,2015.The validity of the method is proved by analysing and comparing with the price and volatility of Ping An Bank.On the basis of deep analysis of the research result,this paper puts forward some suggestions on the risk management and market value management of Ping An Bank.