Empirical Research, The Performance Impact Of China's Commercial Banks To Introduce Strategic Investors

In view of the fact that the Commercial bank play an important role in the economic growth and social development, the research on Commercial bank performance has been the focus of theorists. The fundamental research and the empirical analysis about the bank performance emerges one after another incessantly at home and abroad, which has laid the solid foundation for this article. Since our accession to the WTO, in order to raise the domestic banking industry's managerial and administrative expertise, absorb overseas advanced managerial experience and the technology, our government opened the home money market unceasingly, encouraged the international large-scale financial organ to enter the internal commerce bank as the strategic investor. Therefore, from 2002 to 2006, the banking circles have started the introduction strategy investor's upsurge. not only various city Commercial banks or joint-stock Commercial bank, even the state-owned Commercial bank also joined the ranks of bringing in foreign capital and wisdom. Until recently, whether the strategic investors have raise the bank performance? Which ways are these functions realize through? The scholars are unable to reach an agreement on these. The massive research elaborated theoretically all kinds of effect the strategic investors have on bank performance, some also give empirical analysis to the strategic investor's function from the quantitative analysis angle. But the method they used are more unitary, many used Financial Analysis or Data Envelopment Analysis separately, which cannot reflect the influence of strategic investor on bank performance objectively and comprehensively.The paper first analyzed the theoretical basis of introduction of foreign strategic investors by Commercial bank, then introduced the domestic practice on introduction of foreign strategic investors. Based on the analysis, the paper proposed the path of influence of foreign strategic investors on the bank performance, including Corporate Government and management. After that, the paper carried on the comparison and appraisal of the main listed Commercial Banks' performance using the financial analysis and DEA, then calculated the overall efficiency value of the samples. Finally, the paper verified the path of influence of foreign strategic investors on the bank performance through multiple regression analysis. The conclusion is that the strategic investors' entry can improve the Corporate Government and enhance managerial and administrative expertise to a certain extent, the bank performance will be promoted by strengthening risk management and product innovation.