Bank Study On Sustainable Development

The concept of Sustainable Development is full of extremely rich connotation, one of whose important contents is sustainable economic development. Finance is the core of the economy, and the stable and healthy model of the financial development is a guarantee for sustainable economic development, which is fully illustrated by Asia financial crisis. Bank is the main department in financial industry. In the beginning of the 21st century, facing the changes in the global financial environment, it is more necessary to sum up and think about again the traditional mode of development for the banking industry, to re-examine their business practices and to explore new development model. This paper would like to introduce the universality of sustainable development to the special nature of the bank's development, from the strategic view research and discuss the sustainable development issue of banks. Therefore, this paper attempts to study the development problems of the banks from a point of sustainable development as an entry point, and the research logic are as follows:1. We study the contents and features of bank's sustainable development according to the basic concept of sustainable development, so the sustainable development on banks can be defined: in order to meet the needs of globalization and the modernization, not only considering the needs of bank's current development, but also bank's future development; correctly grasping and handling the relationship between the short-term interests and long-term interests, social benefits and individual benefits, so that the allocation of the bank funds, institutions, manpower and other resources and faculty exertion can be in a virtuous circle, sustainable use. The features of the bank's sustainable development contain of: the strategy of objectives, the integrity of development, the sustainability of development, the innovation of development, the strain ability for environment's changes.2. By analyzing the factors influencing bank's sustainable development according to the theory of sustainable development, we can conclude that: (1) the bank's resources are the fundamental of its sustainable development, which contains of financial resources, human resources, technical resources, organizational system resources, information resources, and the relationship resources; (2) the bank's capability is the condition of its sustainable development, which contains of activity capability, profitability capability, development capability, learning and innovation capability; (3) it is a means for bank's sustainable development to effectively integrate resources with capability. The external factors impacting to effectively integrate resources with capability contain of: national macroeconomic policies, social credit environment, the domestic macroeconomic environment, the business environment, financial and cultural environment, financial monitoring, international environment, and the internal factors: bank property, bank size, asset quality, management, etc.3. How to evaluate bank's sustainable development? After analyzing the evaluating method of financial sustainable development, according to the basic ideas and basic requirements for constructing the indicator system of sustainable development, the paper proposes economy (financial) indicator measures law which is relatively operable as a means of evaluating commercial bank's sustainable development, while consider antitheses about the actual supply and demand for bank credit growth rate as evaluation methods of bank's sustainable development.4. How to achieve sustainable development of banks? It is necessary to find the right path. According to Path Dependence Theory, once institution changes have chosen a path under self-reinforcing mechanisms, it will move along this path. This paper believe: banking international development, network development, innovational development, the development of mixed operation in banking industry, regulatory harmonization, and the international development is a chosen or necessary path for bank's sustainable development.5. The opposite of bank's sustainable development——bank's non-sustainable development. Bank risks and the banking crisis are outstanding performance of bank's non-sustainable development, so it is critical to control bank risks, which is an indispensable part of the research on bank's sustainable development.In order to accomplish the above all studies better, this paper uses qualitative analysis as a main method, supplemented by quantitative research methods. Main innovation points are: discussing banking development issues from a new perspective——sustainable development; putting forward connotation, characteristic, influencing factors, achieving path, evaluation model of bank's sustainable development, attempting to create a more complete research system about bank's sustainable development; meanwhile, risk control has been included in the Bank's Sustainable Development study, and the bank risk is pointed out as a type of non-sustainable development; trying to make a regression analysis of factors impacting China's banking industry sustainable development based on the commercial bank's available data, which concluded that bank property rights, human capital, the quality of assets of China's commercial banks has a positive impact, while bank scale has a negative impact. There is obvious diseconomies of scale in China's commercial banks, especially four state-owned banks; finally trying to set up evaluation indicator system of bank's sustainable development.