Commercial Banks To Continue To Grow Value Evaluation Research

With the increasing degree of openness of the market economy,corporate restructuring,restructuring,mergers and activities are more and more intensive,these activities are inevitable need to understand and estimate the intrinsic value of the enterprise,so the value of continuous growth in the market A place in the economy.At present,the commercial banks are facing the financial industry reform,market economy depression and other environment,the overall development is not optimistic,to assess the value of sustainable growth of commercial banks to understand the development of existing commercial banks,for investors,whether to continue to hold or sell Shares,for managers,whether to improve the management strategy,the creditors,whether the need to remove the deposit or change the duration and nature of the deposit provides guidance.In summary,the value of sustainable growth in commercial banks is particularly important.This paper first elaborates the theory of four methods of enterprise value evaluation,combined with the particularity of commercial banks,finally selects the EVA method which is applied to the sustainable growth value evaluation of commercial banks and establishes the evaluation model.Secondly,it analyzes the influence of the sustainable growth of commercial banks The value of the factors,from the perspective of liquidity,profitability and security,and in the three under the establishment of the core capital adequacy ratio,loan quality ratio,loan loss reserve ratio,current ratio,cash asset ratio,net profit margin Such as eight secondary indicators,the choice of indicators to be as representative as possible,comprehensive,and then learn from the entropy method to draw the weight of each indicator,and some indicators of commercial banks and the value of continuous growth is proportional to some Finally,the article combined with the sample commercial banks,the use of EVA model to assess its value and consider the value of continuous growth factors,concluded that the sustained growth of state-owned banks is greater than the value of the local growth of the value of commercial banks,City commercial banks are larger than joint-stock commercial banks,suggesting that the impact from commercial banks The sustainable growth ability of commercial banks,such as profitability,market size,liquidity and management,and so on,which can provide the guidance for the future growth of commercial banks.This paper constructs the EVA model of commercial banks,considering the particularity of commercial banks,adjusting the net operating profit after tax,the capital cost and the weighted average cost of capital,so that the EVA evaluation model can be applied to the sustainable growth value evaluation of commercial banks.The theory of sustainable evaluation of commercial banks can be improved,and the literature of existing assessment methods in China is provided,which provides a reference for assessing the value of commercial sustainable growth.