Research On The Optimization Of A Bank Financial Performance Appraisal

Along with the development of economic globalization,market competition in the global market has become increasingly fierce.All regions are eagerly debating for economic growth,and various types of economic innovation and optimization are also emerging.All industries are focusing on institutional innovation.Intention to achieve the optimization of the management system and the scientific management of management methods through innovative reforms.In this economic environment,as one of the core contents of the world economy,the financial industry must also face the increasingly severe market situation.In the face of this market scope,the financial industry must improve its industrial structure and enhance its management level.To enhance its competitive advantage.Commercial banks are one of the core parts of the financial sector.In order to obtain the maximum operating profit,they must carry out various reforms and innovations to achieve their own competitive advantages,while the performance appraisal at the financial level is the internal management of commercial banks.The most important thing is the key object of innovation reform.The specific research object of this thesis is Bank A.Based on it,it analyzes the relevant content of financial performance assessment optimization.If a commercial bank can design a scientific financial performance evaluation mechanism,it will be of great help to the increase of its operating income,and it will also have positive significance for its comprehensive strength.Analysis of the results of performance evaluation at the financial level can provide a reference for the development trend of commercial banks.It is the basis for commercial banks to formulate strategic directions and can lay the data foundation for the optimization of commercial bank management mechanisms.All in all,financial performance appraisal is a top priority for commercial banks' overall performance appraisal activities,and has a profound impact on the competitiveness and profitability of commercial banks.However,analyzing the performance appraisal of China's commercial banks,we can find that the establishment of its system is still immature,and there is still a big gap betweenthe financial performance evaluation of large commercial banks in the world.The author's research is based on performance,performance appraisal and various theoretical research related to bank financial performance research at home and abroad.After that,Bank A is the specific subject of the research,first analyzing the actual situation of Bank A's current financial performance appraisal system,and then Find the unresolved issues in Bank A's current financial performance assessment;then,select five key assessment indicators,namely profitability,liquidity,safety level,growth and debt repayment ability,based on these five indicators,against A The bank's current financial performance appraisal system is redesigned to achieve reasonable optimization of the entire performance system.Finally,the author will improve the financial management mechanism of Bank A,enhance its operational risk prevention capabilities,enhance its liquidity,and improve the profitability of Bank A.Strengthening its risk management mechanism,enhancing the capital adequacy of Bank A,effectively avoiding the generation of non-performing loans,reducing the probability of non-performing loans,improving the professionalism of A bank employees,etc.,and exploring the financial performance appraisal suitable for the actual situation of Bank A.Optimization advice.At the same time,the author hopes to take the financial performance optimization design of Bank A as a case,and then provide some reference for the performance evaluation of other commercial banks.