Study On The State-owned Commercial Banks Performance From The Perspectives Of Property Structure And Market Structure

In financial control of the state-owned commercial banks business goals are multiple, and it's not just economic efficiency and more important is to obey the state social preference, providing the necessary financial support to ensure that the Chinese economy for the gradual reform. This is state-owned commercial banks of the most important contribution. In fact, the state-owned commercial banks have been the implement its own development strategy of the tools, not the body of the commercialization, the government think better of state-owned commercial banks the tools. But in the economic and financial globalization of the trend, particularly with the opening of our financial industry, the Chinese government for state-owned commercial banks of the manage performance, and our banking supervision of the main task is to handle financial risks, to improve performance and commercial banks and financial system stability. Thus, it's very important to investigate the state-owned commercial banks performance comprehensively.This article takes "ownership structure, market structure and performance" as the main line, and describes the relationship between property and performance, market structure and performance which based on the definition of banks'performance. Then it analyzes of our state-owned commercial banks property structure and market structure of the present situation, and identities that their ownership structure which still highly concentrated and the state's absolute controlled has not fundamentally changed through shareholder structure, ownership structure and the concentration ratio of foreign strategic investors holding. And it also reflect that the entrance to the state-owned commercial banks have a monopoly from market share, concentration and entry barriers.This article takes the regulation EVA as commercial banks'management performance indicators, then calculates the selected 12 sample commercial banks'performance from 2005-2009. Study found that: compare with commercial banks, China's four state-owned banks operating performance is lower. And our banking performance and market structure and property structure of the regression and found in Chinese commercial banks and the property market performance and construction of the relevant relationship, which illustrates that the highly concentrated and the state's absolute controlled ownership structure and monopoly market structure are the two most important factors to affect china's state-owned commercial banks performance. And property structure of the state-owned commercial banks are managing target of lead to alienation and "internal" control the problem highlighted ; in the concentration of market and have a larger market share of the state-owned commercial banks and the efficiency is due to be a competitive environment is less market circumstances, the bank has no incentive to minimize the cost of their to improve their efficiency in a considerable degree of self-reliance, have a relatively low efficiency. At last, it makes recommendation to improve the efficiency of state-owned commercial banks from the optimization of the state-owned commercial banks property structure and the external structure of the industry to strengthen market competition.