Research On The Influencing Factors Of Business Performance Of Commercial Banks In Listed Cities

The establishment of the city commercial bank was in line with the specific historical background at that time.After continuous development,it now plays an irreplaceable role in China’s financial system.In the 1980s,China’s small and medium-sized enterprises and self-employed people had a strong demand for funds.At the same time,China began to reform the financial system.City commercial banks emerged at the historic moment:the merger of local urban credit cooperatives,attracting outstanding enterprises and government departments to inject capital into shares.However,due to the non-robustness of the internal organizational structure of the city commercial bank,there are many problems in the aspects of operation,finance,and management,which pose a lot of potential risks for its future development.With the rapid development of our country’s economy and large-scale investment and support for local governments,commercial banks around the country have developed rapidly;but in the face of double-sided attacks from large domestic banks and outstanding foreign banks,the future of city commercial banks is still unknown.Therefore,based on the background of the shrinking profitability of urban commercial banks in recent years and the declining operating performance,the company first calculated the operating performance of the listed city commercial banks,and further analyzed the core factors affecting the business performance.Ultimately,it will improve the business performance of listed commercial banks and enhance the ability to create value for enterprises so as to better provide financial support for local SMEs and individual economies,and promote the goal of better and faster regional economic development.The article selects 15 listed city commercial banks in 134 city commercial banks in China as the research object,obtains their financial and operational data from 2013 to 2016,and calculates the annual EVA and REVA values of each bank:for each city commercial bank in different years Vertical comparison of different operating conditions,horizontal comparison of the development status of different city commercial banks,and an in-depth understanding of the overall operating conditions of China’s listed city commercial banks.Afterwards,a random forest model was constructed to find the core factors that affected the business performance of city commercial banks,and further studies were made on the strategies and development directions for improving business performance and improving overall strength.Through the above research,it was found that the value of the 15 companies created by listed companies in the listed companies during the study period was different,and various factors affected the index.Among them,non-interest income,cost-to-income ratio,interest income,and total asset size play an important role in these four aspects.Therefore,suggestions are made to improve the profitability of banks from the following four aspects,including:stimulating the vitality of intermediary businesses through differential marketing strategies;strengthening the management of bank operating costs;creating a new type of deposit model to ensure the interest margin;enhancing self-awareness and rationally adjusting the scale of assets;focus on potential customers.