Research On Performance Evaluation Of XX Bank Yunnan Branch Based On Economic Capital Management

In recent years,with the development of the financial industry and the change of the international economic structure,foreign economic and financial situation has a profound impact on China's banking industry.In the aftermath of the 2008 financial crisis,in order to draw lessons,not encountered the same dilemma,to guarantee the stable development of banks,maintain domestic financial stability of the economy,the domestic banking industry began to change their management concepts and methods of risk assessment and economic capital management in an important position.In essence,for commercial banks,there are a lot of risks in the operation,in order to achieve profitability,it is necessary to protect the bank's own liquidity and security.Performance evaluation is an important means of commercial bank management and effective performance evaluation system can help commercial banks to achieve the mission,to create high performance,and become the driving force for sustainable development of commercial banks.The risk in the financial industry's competitiveness is very big,is also difficult to predict,but it is part of the Banks are only concerned with the interests of immediate blindly expand the market size and scope of business,rather than behind contain risk,this lack of awareness of risk behavior and easy for bank buried the seeds of future development.In order to solve this problem,we get the enlightenment in the new Basel agreement,changing the financial system of development,the power of the economic capital affects the risk of bank,in order to improve the bank's ability to resist risk,guarantee the stability of the banking development and management,should be a reasonable reference and how to use the theory of economic capital management theory of performance appraisal,and apply the theory to the enterprise management performance evaluation,calculating the corresponding non expected losses of different business size,matching the corresponding economic capital,getting the profit after risk adjusted profit and acquiring the real return of commercial banks guides the daily operation of commercial bank activities,reduces the economic capital and the development of small business.Based on the review of previous research,using the methods of normative theory research and case analysis combined,this paper research the current economic capital management and the status of the performance evaluation system of XX bank Yunnan branch.Aiming at the problem of economic capital management,the performance appraisal system which do not pay enough attention to the risk factors and lack of attention,based on economic capital measurement methods in the new Basel capital accord with the reference and the concept of risk,this paper designed a suit of XX bank Yunnan branch to the current performance appraisal methods.Design performance appraisal system,this paper will focus on economic capital management system into the practice of the bank management,effective combination of economic capital and performance appraisal,play the role of the two,accurately grasp the speed and efficiency,the interaction between the local and overall connection,this is beneficial to XX bank Yunnan branch to do it in a constantly changing pattern of international and domestic financial in stride,and determine the strategic goal of bank management,a clear direction for the future development of Banks,the innovation development of the Banks,to create a distinctive XX bank Yunnan branch.The research contents of this article mainly divides into five parts,the first part is introduction,in this section,will be the main account why selected topic research background,research the significance of the selected topic and research,in addition,also mentioned the topic research status at home and abroad,the research of the specific content and methods;The second part is the study of the relevant theory,mainly for economic capital management and commercial bank of the performance evaluation mechanism in the management of the relevant theory,for example,elaborated the economic capital measurement and budget allocation system theory and so on.At the same time,from the perspective of economic capital management,this chapter introduces the theory of RAROC and EVA performance evaluation.The third chapter is the current situation and problems of the performance evaluation of XX bank Yunnan branch.First,the brief introduction of XX bank Yunnan branch,and then the status quo of Yunnan branch of XX bank performance evaluation analysis,finding out deficiency of existing performance evaluation;The fourth chapter constructs the performance evaluation system of Yunnan branch of XX bank based on the economic capital management.The fifth chapter is the improved measures of the XX bank Yunnan branch of performance evaluation system.The sixth chapter is conclusion and prospect.