The Evaluation Research Of Listed Commercial Banks Innovation Ability Based On The Factor Perspective

As an important part of financial industry,the development level of commercial banks not only concerns the overall situation of our country's financial sector,but also is associated with many other industries because of its link's function in the whole national economy.At the end of 2016,public data showed that the net profit of commercial banks reached nearly 1.7 trillion yuan.However,interest income accounts for a large part of commercial bank gross profits,and this highlights the fact that commercial banks in China have been overly dependent on net interest margin revenue,also reflecting that the commercial banks lack of innovating services and innovation ability.Therefore,studying the issue of commercial banks innovative ability is particularly important,having important theoretical significance and realistic significance for commercial banks themselves,financial industry in our country and even for the entire social economy.This paper makes commercial banks innovation elements as the main research point and perspective to try to build the innovation ability evaluation indicator system of the commercial banks.Then this paper uses Factor Analysis Method and TOPSIS Evaluation Method to analyze various indicators reflecting the innovation ability of 16 listed commercial banks in China.Finally,this paper gets the relative merits of 16 listed banks innovation sequence to find the current situation of the listed banks innovation ability.The following shows the research results of this article.Firstly,from an overall perspective,the innovation ability and level of listed commercial banks is still low.Secondly,the innovation ability development is unbalanced between different commercial banks and presents the echelon distribution characteristics.Thirdly,part of the innovation ability of listed commercial banks internal component development is imbalance,that is to say,remarkable in some innovation measures development,and development is relatively backward in terms of other indicators.Fourthly,the innovative ability of listed commercial banks has great development momentum and opportunity.On this basis,this paper tries to put forward the following corresponding countermeasure and suggestion.First of all,synthesize all aspects of resources,including legislation and administrative departments,the banking regulator,technology enterprises,banking association,commercial banks themselves,to provide a good environment and condition for commercial banks innovation businesses.Next,commercial banks should strive to improve overall bank innovation ability from all the elements of the innovation ability,including innovation inputs,customer demands and innovation outputs,innovation risk management and so on.Finally,address their weaknesses and highlight strengths,commercial banks shall maintain their own innovation ability advantages,at the same time,strive to make up the short plate elements of innovation ability,to achieve the balanced development of all elements of innovation ability.Finally,commercial banks should continue to strengthen knowledge management to form innovative systems,culture and atmosphere.