Research On The Performance Of China Commercial Banking Industry

China banking industry assets have an absolute share of financial assets of China, so banking reform is an important part of financial industry reform. With regard to the reform of China commercial banking industry, there is a argue about the "focus".Some scholars believe that the reform should emphasize the continual adjustment of the market structure,and relax the constraints of private capital;while some scholars believe that the main problems are:inefficiency of state-owned banks, concentration of asset risk. The focus should be on the reform of property rights of state-owned banks.With these facts, this thesis will make the bank performance as a center for study and discussion, analysize the status of China commercial banking industry market structure and property rights structure, and separately do the regression analyses:the relationship between the above two and the bank performance.The result of the regression analysis about market structure and bank performance:the market share, the deposit share of foreign bank and bank performance showed a significant negative correlation. By adding variables such as market share, before and after, market concentration and bank performance showed a negative correlation, which rejected the market power hypothesis of the Harvard School.The result of the regression analysis about property rights structure and bank performance:the four major state-owned banks and eight national joint-stock commercial banks studies have shown that the correlation between the shareholding ratio of the largest shareholder F1,the ownership concentration F4,the share of state-owned shares State and the bank performance showed a significant negative correlation; but there is an opposite result when the object of this research is only the eight national joint-stock banks, that means there is a significant positive correlation. The proportion of foreign strategic investors W and the bank performance showed the positive correlation, but did not pass the T-test. The board scale of listed banks BS and bad loan ratio BLR showed a significant negative correlation, the negative correlation relationship between the proportion of outside board BC and capital adequacy ratio CAR was also significant, indicating that the board has played an active role in risk management, while outside board did not play its role.Outside board, to a certain extent, had a crowding-out effect on inside board. BC and LD(deposit and loan) showed the significant positive correlation, indicating the independent board played the role of identifying and controling the liquidity risk inside. The scale of the board of supervisors JS did not play a significant positive role on bank's profitability, safety, liquidity.Finally, according to empirical analyses, the author proposes corresponding policy recommendations.This thesis proposes that remove the administrative barriers, strengthen the industry competition, optimize the market structure of bank; in order to cope with the entry of foreign banks, accelerate the pace of technological innovation and pay attention to personnel training, the ownership concentration to maintain a certain"degree"within a reasonable bounds;reasonably introduce the foreign strategic investors; construct a reasonable and effective corporate governance structure, strengthen capabilities of the board's risk management further and strengthen capabilities of the supervisory board in supervising the board and management.