As the focus of ancient trade bank financial institutions, is mainly composed of Department of China's multi-level capital market, the direct reaction of a country's financial institutions growth degree. City commercial banks since the formation of the last century, the mid nineties shelter reality itself, full use of the structure of property right, operation mechanism, institutional settings, such as smart, complete the rapid growth, free of the burden of history, complete the joint-stock transformation, growth for support and the office of the economic growth of major financial institutions. According to the Banking Regulatory Commission statistics, as of 2013 December city commercial banks a total of 145, the total assets of 151778 billion yuan, and last year compared to the same period increased 22.9%, the banking financial institutions accounted for 10.3 percent. City Commercial Banks after nearly 20 years of growth, by the last urban credit cooperative to City Cooperation Bank and then to the urban commercial banks and the strategic localization and functions have serious change, city commercial banks in the banking industry also occupied more and more important position. Urban commercial banks in high growth at the same time, face and need a lot of processing results: faintly in the market positioning and the growth of local experience dependent, conscious business innovation and expand business, financial product convergence phenomenon is serious, outdated concept of operations and information technology work, ownership structure is not reasonable, the company management is not perfect etc. results. So, this paper constructs a comprehensive evaluation system of the city commercial banks operating performance, and from the micro level to analyze the effect of the operation performance of city commercial bank's identity has serious practical significance. This paper is divided into five chapters, the first chapter of the article introduces the topic background and research significance, research ideas and research framework, the innovation place. The second chapter is the literature review, it is important to recall and combs the domestic and overseas scholars on the operating performance of commercial banks research results, and introduces the scholars through own foreign scholars about medium and small-sized banks research results on the research situation on China's urban commercial banks. The third chapter in the actual recall is presented based on city commercial banks operating performance micro Ya identity influence mechanism model of, then introduce commercial banks operation performance evaluation of frequently used measures, then introduce this factor analysis of the principle, advantages and disadvantages and factor analytical steps. The fourth chapter is the empirical analysis section, divided into three parts: the first part introduces the paper's research taken by the city commercial banks operating performance evaluation target selection, sample selection, the city firm data collection and disposal, the target evaluation system to stop the factor analysis after comprehensive factor score after figuring out the sample bank operating performance and the descending ranks, a brief analysis of the sample bank operating performance; puts forward second departments for the third chapter of this research model, select the performance of banking operation trade city micro equity structure, influencing factor in bank management and operation scope of three latent variables as explanatory variables, select the city commercial banks operating performance variables that is, construct the structural equation model, and the explanatory variables and explanatory variables stop confirmatory factor analysis, to ensure that the measurement model Good fitting; to establish the third sector on the basis of structural equation model proposed city commercial banks operating performance micro Ya identity influence mechanism model, taken from 2010 to 2012 74 city commercial bank data to carry on the empirical analysis. The fifth chapter is the conclusion and suggestion of departments, the empirical analysis results presented in this paper is based on the research conclusion, and based on the conclusion of our city commercial bank growth and puts forward the corresponding suggestions and countermeasures. The color with the theoretical study and empirical research phase combination of research methods, theoretical research important departments is of home and abroad on the operating performance of the bank trade relevant research results carding and summary, and in the empirical analysis stage, the color used trade bank multi-objective comprehensive evaluation system price of urban commercial banks operating performance research. In the multi objective comprehensive evaluation system for city commercial banks operating performance evaluation of construction, take multivariate statistical method of factor analysis of target data processing, and build the city commercial banks operating performance comprehensive evaluation system. In this paper research model and research to verify the structural equation model to analyze the false timing to take effect of the micro latent variables of city commercial banks operating performance. In the empirical analysis results basically, the research conclusions of this * * * important contains the following three points: 1, in after to 69 Urban Trade Bank 2010 to 2012 profitability, activity, safe fiscal target stop factor analysis extracted four public factor, separation is profit and operating factor, profit factor to, activity factor and safety factor. By using the variance of each factor contribution rate of cumulative variance contribution rate accounted for weight calculation sample of urban commercial banks operating performance comprehensive factor score, the invention of ranking the highest Bank of Jining and Rizhao bank and Chengde bank, after the three ranking Resources Bank of Zhuhai, Kunlun bank and Xiamen bank. 2. This paper, color AMOS22 application 74 city commercial banks in the 2010 to 2012 annual financial data of urban commercial banks operating performance micro Ya element influence mechanism model of stop hone empirical invention: negative effect, to support the proposed hypothesis H1, and the operation scope of the City Commercial Bank of city commercial banks operating performance occurred negative effects occurring in the urban commercial banks, ownership structure of city commercial banks operating performance, supporting the hypothesis H2, bank corporate governance of city commercial banks operating performance influencing factor is not obvious and cannot support the study hypothesis H3. Based on the above research conclusion. In this paper, the progress in China city commercial banks operating performance are also given the for suggestions: (1) the decline in interest costs, improve asset profitability and risk to control in order to, excessive progress loan to deposit ratio, proper management of assets; (2) decline in equity concentration degree, optimize the equity structure; (3) the progress of technique innovation ability, skills, service level, excessive cross regional expansion. Place of innovation of this paper lies in: from the perspective of research, this paper in combined with the actual literature and city commercial banks, the reality of the situation basically constructs the multi-objective evaluation system of the city commercial banks operating performance and on every city firms comprehensive factor score ranking, and apprising the city commercial banks operating performance; from the research model in this paper, literature recall previous research and the city commercial banks operating performance is presented micro indecent influence mechanism model of, from the micro level of equity structure, operation range and bank management analysis the influence of city commercial banks operating performance. From the point of view of research methods, this paper to 69 city commercial banks in the 2010 to 2012 annual fiscal data as samples, application SPSS statistical analysis software, adopt the factor analysis and study of the sample bank's operational performance, constructs the city commercial banks operating performance micro Ya identity influence mechanism model and use it as a starting point. In this paper, using AMOS22.0 statistical analysis software, confirmatory factor analysis to measurement equation of the goodness of fit of temper, structural equation model to take empirical test paper. This research is: (1) the lack of limitations of the research sample. This paper selects the 74 Urban Trade Bank 20.10 year to 2012 annual financial data as the research sample, sample banks accounted for about half of the total sample and sample time span is short, and some of the goals of the abnormal value in a certain level of the conclusion of the study effect. (2) the limitations of using target. In the city commercial banks operating performance evaluation target system in the process of constructing, this paper selects the target are fiscal targets, and multiple reaction bank past operation of fiscal targets, operating performance of commercial banks stop comprehensive evaluation will inevitably have a certain error. In the construction of structural equation model, the target properties of some target can fit the structural equation model and the model with the actual data of the estimated impact. (3) the limitations of the research model. This paper attempts to analyze from micro level remind to the influencing factor of urban commercial banks operating performance, but the reality effect of city commercial banks, micro Ya identity there are many, is in the mold construction inevitably, there are some injustice. In the confirmatory factor analysis, commercial bank management and bank management between high coherence, and this paper constructs the structure equation model neglect bank operating range and the bank's management the two latent variables between the high coherence, and no Shu Limo son of goodness of fit better multi way analysis model and the proposed research model need further optimization.