Research On The Growth Of Urban Commercial Banks Based On BP Neural Network

The growth of urban commercial banks is directly related to the private economy and the operation of small and medium-sized enterprises in China,and plays an important role in promoting the reform of the banking industry,optimizing the allocation of financial resources and promoting economic development.The current economic development situation in the new era provides a broad space and opportunities for the operation of China’s urban commercial banks,while at the same time,it also poses new challenges to their growth.In recent years,small and mediumsized banks have been facing huge changes in their regulatory system and business models,coupled with the pressure brought by the digital transformation of the banking industry,small and medium-sized banks are facing numerous difficulties in their development.In this context,how urban commercial banks can maintain their growth by adjusting their business strategies,establishing business goals and transforming their development paths are issues that must be focused on at this stage.This requires an accurate evaluation of the growth of urban commercial banks.Firstly,this paper improves the existing commercial bank growth evaluation index system with the support of existing enterprise growth research theories and related technologies.Through text mining and web crawler technology,an index to measure the level of banks’ technology development application is added.Second,the index weights were determined by entropy weighting method to score the growth of 20 sample listed urban commercial banks in 2019-2021.And based on this data,a BP neural network was trained for the growth scoring model of urban commercial banks,and the experiments proved that the model has good generalization ability.Finally,the model is used to score the growth of Bank J from 2019 to 2021,analyze the reasons affecting its growth performance,and propose targeted recommendations to provide some reference for the future operation and development of Bank J and other domestic urban commercial banks.The results of the study show that the weaknesses and deficiencies of Bank J’s growth ability are mainly in the following five areas: low level of financial technology development,high concentration of housing-related loans,lower profitability,lower asset quality and internal control weaknesses.In this regard,this paper makes the following suggestions for the successful achievement of Bank J’s business objectives and long-term growth enhancement:improve the regulatory system and adjust the organizational structure;adjust the credit structure and prevent credit risks;change the service connotation and optimize the marketing methods;optimize the asset quality and revitalize the non-performing assets;strengthen the internal management and clarify the responsibility system.