Research On The Evaluation Of SPD Bank’s Operating Performance Under The Diversification Strategy

Under the background of the current marketization of interest rates,due to the compression of market share brought about by financial disintermediation and the increasing rise of Internet finance,financial institutions are facing various challenges such as narrowing the spread between deposits and loans under the business division system,and the impact on traditional businesses,and the compression of profit growth space,intensified industry competition and the challenge of technology empowerment have become the main problems faced by commercial banks.In recent years,under the influence of the superimposed environmental background of the three phases of market economy growth and deepening structural adjustment,the transformation and upgrading in the direction of diversification has become a new goal for commercial banks to break through the phased development,and the expansion of financial management business,investment and financing business and innovative business has gradually become the focus of its development.Through the implementation of diversified development strategies,optimize the allocation of resources to realize the transformation of large-scale banks into value banks.By combing and summarizing the relevant literature of scholars at home and abroad on the diversified operation of the banking industry,this paper finds that most scholars currently have relevant research on the diversified development of commercial banks,which shows that the implementation of diversified development of joint-stock commercial banks is conducive to the improvement of their business performance.However,preliminary analysis finds that as a well-known joint-stock commercial bank that actively promotes diversified development and comprehensively improves its comprehensive service capabilities,its net profit has shown a downward trend year by year.Therefore,this article will select SPD Bank as the research object to deeply analyze the changes in its business performance after the launch of diversified business.At the same time,in order to abandon the shortcomings of traditional performance evaluation methods to ignore risk factors,this paper will select three dimensions of economic efficiency,cost control and risk prevention and control,and use the method of combining traditional financial evaluation indicators and RAROC performance evaluation model to comprehensively evaluate and analyze the business performance of SPD Bank after the implementation of diversified development,dig deep into the problems existing in the process of diversified operation,and put forward targeted suggestions to provide reference for other enterprises in the same industry to carry out diversified business.The study found that the existence of a large number of high-risk assets is the main reason why SPD Bank’s diversified business development has failed to effectively improve its operating performance.Therefore,in order to achieve the high-quality development of diversified business,considering risk factors,optimizing business structure,avoiding blind expansion,etc.,are the areas that SPD Bank and other enterprises in the same industry need to focus on prevention in implementing diversified development.