Abstract
China’s commercial banks are the main part of the country’s financial system and a key link in the national economy. However, because of the late start of commercial banks in China, the performance evaluation system of commercial banks is not perfect. Based on the financial data of 36 listed commercial banks in 2018, this paper uses factor analysis method to evaluate the performance of commercial banks, and analyzes the operating conditions of commercial banks.
Highlights
As the main body of China's financial system, commercial banks have five functions: regulating economy, credit creation, credit intermediary, payment intermediary and financial service
The operating efficiency of the commercial banking system directly affects the health of the whole national economic system and the efficiency of socio-economic resources, which is a crucial part of the national economic system
The results showed that China's commercial banks generally had high operating efficiency and stable development
Summary
As the main body of China's financial system, commercial banks have five functions: regulating economy, credit creation, credit intermediary, payment intermediary and financial service. The operating efficiency of the commercial banking system directly affects the health of the whole national economic system and the efficiency of socio-economic resources, which is a crucial part of the national economic system. DEA model (Data Envelopment Analysis) was used to calculate and analyze the comprehensive efficiency of China's 31 listed commercial banks from 2014 to 2017. The results showed that China's commercial banks generally had high operating efficiency and stable development. Faced with the current situation that China's banking industry is in urgent need of innovation, the study on the performance evaluation of the banking industry is of great practical significance to promote commercial banks to adjust industrial structure, promote system innovation and improve the utilization efficiency of financial resources
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