Reacerch On The Revenue Structure Of Chinese Commercial Banks And Its Effect On The Bank Performance

With the opening up of the banking sector to further expand and acceleration of the pace of financial reform, more competition happens between domestic commercial banks as well as domestic commercial banks and foreign banks . We need to learn from the experience of developed countries to speed up business model and growth pattern So we can achieve the strategic restructuring operations to improve operational efficiency and enhance core competitiveness. Rational restructuring of commercial bank income structure transition of China's commercial banks is an important way.This paper summarizes the income structure of commercial banks on the basis of former research results. The definition of the revenue structure is shown, and the current revenue structure of commercial banks is analyzed ; Shift - share model(SSM) is used to analysis the overall revenue structure of commercial banks and revenue structure of domestic banks , So the defects of the current revenue structure of commercial banks are unfolded. Then the effect of revenue structure of commercial banks on bank performance is studied. The regression model is used. We difine the model index, collect the panel data to study the effct . According the conclusions drawn back from the model, the policy of the revenue structure of commercial banks can be proposed .Results and innovation of this article:(1) The defects of the revenue structure of China's commercial banks are unfold through shift - share Model Checking. From the point of view of the overall income structure of commercial banks, we can check that the commercial banks revenue growth rate and business competitiveness of China is better than the international banks. But the structure share of P is negative. This indicates that the mismatch of the revenue structure contribute to negative. In the structure Share, lending income and transactional income share is negative, rather than the structure share of non-interest income is positive. As to the comparison of domestic commercial banks , the growth rate of state-owned commercial banks is greater than the joint-stock commercial banks. In the light of competition share, all but three state-owned commercial banks are positive.(2) As to the analysis of effct of the income structure of commercial banks on bank performance, the regression results are as follows: Non-interest income of large state-owned commercial banks was negatively correlated with bank performance ,while the transactional revenue was positive. Non-interest income of joint-stock commercial banks was positively correlated with bank performance. The reason is that with the absolute Volume of the assets and liabilities of a large state-owned commercial banks, the business risk of the asset liability ratio is higher than other banks, so the bank's performance is affected.From the above analysis, Optimization Strategy of the structure of commercial bank will be proposed: Perfect lending risk prevention should be opened; Expansion of non-interest business should be operated reasonable, more attentionof on the transaction-based business shoule be paid .In this way , the revenue structure optimization of commercial banks will be achieved.