The Performance Evaluation Of Ping Anbankbased On The BSC Method

1978 is the first year of reform and opening up.Since then,China gradually opens up the capital market,foreign banks enter in the Chinese market,brings pressure to the domestic commercial banks,the competition between banks is becoming more and morefiercer.Now,commercial banks have become a major part of the capital market.How to achieve long-term stable and substantial capital gains,enhance the short-term profit level and get the best benefit and risk balance in business development become the focus of academic attention.Finance is closely related to the operation of the national economy,and its dynamics are highly concerned by the country and the people.The state lays particular emphasis on the 13 th Five-year Plan,2016-2022 is the key period for China’s economic development,how to balance the income and expenditure while developing rapidly,how to accelerate economic restructuring,further open up the financial markets,implement the "going out" strategy,is the next direction of government and enterprises.The development of the financial industry plays an important role in promoting the Chinese economy,how to improve the efficiency of financial services in the real economy is the key to financial reform,and the improvement of commercial bank performance is undoubtedly an important measure to improve the efficiency of financial services.The traditional bank performance measurement takes the financial index as the core method,and plays a positive role in the period of thenon marketization of interest rate.However,in the new environment of interest rate liberalization and diversification,it is impossible to meet the performance of commercial banks only by financial indicators,if only focus on the performance evaluation of financial indicators,it will cause commercial banks focus on short-term interests and ignore the long-term interests of the situation.This paper used the BSC to construct the performance evaluation index system of commercial bank,balance four part of the contents of BSC(financial status,internal business processes,customer value,learning innovation and growth)to evaluate this case.Traditional study only uses financial indicators to evaluate company’s performance,ignore other aspects of it,its evaluation is veryunilateral.BSC overcomes the shortcomings of traditional methods,using AHP to evaluate the development of enterprises,reflecting a more comprehensive figure of enterprises,providing a new idea and method to evaluate enterprises’ merger and acquisition.This paper uses Ping An Bank as an example,according to the characteristics of Ping An Bank,establish a comprehensive performance evaluation system with BSC.This paper usesthe data of Ping An Bank in recent ten years,combined with the AHP analysis the change trend of Ping An Bank performance,and try to provide a reasonable explanation for the change in performance,in order to put forward suggestions on the future development strategy of Ping An Bank,to provide practical guidance for other commercial bank performance evaluation.