Capital Structure Of Listed Banks In Our Country Affect The Business Performance

Finance is the core of modern economy, and finance is mainly composed ofthree pillars, banking, insurance and securities, and the banking system is in a veryimportant position in the whole financial system, in the entire banking system is thecore of the people’s bank of China, the commercial bank is the main body, plays animportant role for the economic development of China, so we need to do somein-depth study of commercial Banks.Thus this paper selection of listed Banks in ourcountry as representative bank is analyzed from the Angle of capital structure.In2008the outbreak of the financial crisis exposed the Banks’ liquidity riskproblem, namely the Banks do not have enough capital, so many Banks begin to payclose attention to the international capital, from the Basel accords in1987to2010,the Basel Ⅲ evolves as you can see the bank management of the importance ofcapital, more and more strict to the requirement of capital regulation.But the currentof our countrier’ commercial bank capital structure is not perfect, the structure ismore onefold, in order to improve the business performance, Banks mainly from theperspective of the service, intermediary business due to the capital structure willaffect the cost of the Banks, so this paper mainly on Banks’ capital structure analysis.In this paper, we first analyze the capital structure and operating performance ofthe theory, and then use the analysis of the data of listed Banks in2012the presentsituation of the Banks’ capital structure in our country, then use data from2007to2012for empirical research to the relation of the capital structure and businessperformance, to see how strong the impact of capital structure on the operatingperformance, that how to optimize the capital structure has become the current mainproblems, so mainly as a breakthrough point to improve the operating performanceof listed Banks, make our country banking in such complex situation based on theheel.Through research shows that the capital structure of Banks have effects onbusiness performance, if the capital adequacy can absorb the Banks’ losses, enhance the ability of Banks to resist risks, faced with such vagaries of economic situation,we need to attach great importance to the problem of commercial Banks’ capitalstructure in order to realize its rapid development.