Research On Market Structre、Cross-regional Level And Performance Of Commercial Banks

The main content of this article is from the point of view of the market structure and the degree of cross-regional, research and analysis he influencing factors of the performance of the commercial banks. And the banking industry is divided into three types of comparative analysis, that State-controlled banks, national joint-stock banks and city commercial banks.There are five parts in this article, the first part is the above brief background of this study and the significance of the study; second part is mainly theoretical over-view on commercial banks performance; third part is the main commercial bank performance and influencing factors of variable selection and measurement; fourth part is the business performance of the three types of banks empirical analysis; fifth part is a summary of this article and this study shortcomings. The third part and the fourth part is the main content of the paper.The innovative points of the paper in the following:1) This paper analyzes the performance of the commercial banks in China to take advantage of market segmentation method. China’s commercial banks are divided into three types of market and state-controlled commercial banks, national joint-stock banks and city commercial banks a comparative analysis of the similarities and differences between them performance-influencing factors. Literature to use this method, but is basically divided into large banks and small and medium-sized banks, or considered separately city commercial banks;2) The composite indicator to measure the performance of the commercial banks is relatively new. The selection of the index system is a combination of bank performance theory and China’s actual financial situation of the enterprise considering, considering the commercial banks to follow the " Three characteristics " principles and China’s Ministry of Finance recently promulgated in May2011,"state-owned and state-owned financial factor holding enterprises under the Interim Measures for the performance evaluation of the legally established financial enterprise performance evaluation system standard to determine the composite indicator,14indicators divided into four levels, the use of factor analysis to calculate each sample bank annual comprehensive performance score, and then comprehensive performance score as explanatory variables for empirical analysis.,3)The angle of the establishment of the model is relatively new, is to start with the analysis of the market structure on the performance of the three types of banks and the entire banking industry perspective, spanned from the bank’s point of view, the analysis of cross-regional factors on the performance of the three types of banks. Also consider the relationship between bank performance in China and cross-regional factors from the overall commercial banking.The Main conclusions of this paper:1) The market structure impact the performance of three categories of banks similarities and differences, the overall market concentration is the same there is a negative relationship, lifting its market share to be able to improve the performance of the joint-stock banks, another two types of banks on the contrary; the size and performance of the bank is negatively correlated.2)Cross-regional extent of the impact of the similarities and differences of the three types of bank performance, number of branches and joint-stock banks show a positive significant relationship, showed a significant negative correlation between the other two categories; loan amount employees equally with state-controlled banks and city commercial banks did not pass the test of significance, but the joint-stock banks passed the inspection, the management system is more effective in the joint-stock banks.3) Stationary test, the impact of the financial crisis on China’s commercial banks are relatively small, the high degree of opening up of China’s banking market.