Research On The Evaluation Of Commercial Banks’ Operating Performance Based On Factor Analysis

With the promotion of reform and opening up,China’s economy has been constantly improved,and the market economy has begun to develop rapidly.Meanwhile,China’s financial system interacts and influences each other,and the internal operation mechanism of China’s commercial banks has also been constantly improved.Commercial banks are an important part of China’s financial system.With the opening up of The Chinese market,the types of Chinese commercial banks are getting richer and richer.From the initial state-owned banks to joint-stock banks and the establishment of city commercial banks,especially after the establishment of foreign banks in China,the competition among Chinese banks is becoming increasingly fierce.With the expansion of business volume and scale,more and more banks choose access as a means to improve the value of banks.The competitiveness of listed banks can be expressed by the performance of the company,and the performance level can reflect the operation and management status and ability of banks from many aspects.Therefore,in this case,commercial banks must pay attention to improve operation performance under the new normal.In order to understand the operating results of commercial banks after their establishment and put forward suggestions and suggestions to improve their operating performance,25 commercial banks are selected for comparative analysis in this document,and 12 valuation indicators are selected,including average return on total assets and return on cost.From four aspects of profitability and liquidity,The performance rating system is constructed from four aspects of risk control and future development ability.Factor analysis and SPSS25 software are used as analysis methods and tools to evaluate the operating performance of commercial banks through empirical analysis of the financial data of commercial banks in 2020.The results of empirical analysis show that the performance of joint-stock commercial banks is stronger than that of state-owned commercial banks,and the performance of city commercial banks is lower.According to the single factor analysis,the growth factor of urban commercial banks is relatively high,the profit factor and scale factor of joint-stock banks and state-owned commercial banks are relatively high,and the safety factor of state-owned commercial banks is relatively high,followed by joint-stock banks,and finally is urban commercial banks.From the single factor,in terms of growth factors,some local banks and urban commercial banks rank higher and.have better development ability in the future.In terms of profitability factors,joint-stock banks and state-owned commercial banks are still the main profitability factors,while the performance of city commercial banks is a little worse.In terms of size,the five joint-stock banks still have an absolute advantage over other commercial banks:in terms of safety,the top banks are listed earlier.They are experienced,strict control of non-performing loans,strengthen loan management.Therefore,they perform better in this respect.