The Influence Of The Structure Of Loans On The Listed Commercial Banks Performance In China

In the foreseeable future, interest income is still the Chinese commercial bank’s main business income. Bank loans will continue to be the most important support of profits, and loan security is the top issue that the banks will face. Many scholars have made the researches about the loan structure’s influence on bank’s performance, the result is term structure, guarantee structure, regional structure, industry structure and customer structure have the most obvious influence on bank’s performance.This article referenced the previous scholars’conclusions, combined with banking first-hand information to make more detailed classification of loan structure:the loan can be classified with the type of business, guaranty type, region, industry, period, maturity and risk degree of risk classification, etc. In addition, the author picked up China’s16listed Bank’s loan information (the banks can be divided into State-owned commercial Banks, Joint-stock commercial Banks and City commercial Banks) and made conclusion that company loan amount is larger, personal loan’s growth is faster; Guarantee type of mortgage loan and credit loan’s amount is larger; Developed areas of the loan amount is larger, but loan’s amount grows faster in developing areas; According to industry classification, energy, transportation, real estate and other industries lines have more influence on ROE; Finally, loans in the proportion of the top ten customers declined year by year.Combined with the present status of the economic development in China and the qualitative and quantitative analysis, the commercial bank business development recommendations are as follows:First, increase lending loans in developing areas. Second, optimize capital allocation between different industries; Third, strengthening the support of loans for small and medium-sized enterprise clients, etc.,...