Research Of The Impact Of Monetary Policies On China’s Commercial Banks’Business Performance

The validity of macroeconomic regulation and control impact on a country’s speedof economic development directly, and in our country, according to the economic andsocial development and changes of objective conditions, the monetary policy is one ofthe important means to better control, if you want to make macro economy achieveinternal equilibrium and external equilibrium, you must use monetary policy in ourcountry reasonably and flexibly, and play its regulatory role, which is very importantfor the healthy, steady and fast economic and social development.In response to domestic inflation influence on China’s economic development, andminimize the negative impact of the international financial crisis, China’s central bankneed to regulate our country’s economy, the main method is to use monetary policy tools,it effectively suppresses the unreasonable economic factors in the economic and social,and it plays an important role to ensure the healthy and stable development process ofeconomy in our country. And when the central bank use the monetary policy to adjustthe macro economy, commercial Banks become an important medium, it plays anindispensable role in the channels of the monetary policy transmission, there is no doubtthat among the whole process, commercial Banks will be more or less influenced bymonetary policy, the three major business principle of commercial Banks is profitability,safety, liquidity, and profitability of the three is the primary principle of commercialBanks, this determines that the commercial bank is a special kind of enterprise, it wasbased on the currency. The profitability of enterprises is given priority, it is not only toensure that the monetary policy to achieve the desired effect, and also need to considerto their own profit, balance the performance of commercial bank itself, and make thebank itself achieve the best effect in the process of operating profit, so the study ofhow the monetary policy of our country impact on the commercial bank managementperformance, and in the implementation of monetary policy how the commercial Bankstake effective measures to make policy valid and not affect its performance effectivelyhas important significance.Based on the above situation, this paper mainly discusses the theoretical andempirical research of "the influence of monetary policy on the operating performance ofChinese commercial Banks", and according to the conclusions of paper, I put forwardthe suggestions, so as to make the commercial bank not only effectively promote the monetary policy, and improve its business performance, ultimately achieve the goal of"win-win".First, this paper introduces the related basic theory and importance of monetarypolicy and the operating performance of commercial Banks, and study the theory of thetransmission mechanism of monetary policy in our country, as well as the importance ofcommercial Banks′operating performance, after analyzes the commercial Banks′statusof monetary policy transmission mechanism in our country; Then, I analyze theinfluence of the deposit reserve rate, open market operation, interest rate three aspectson commercial Banks′operating performance; After, I analyze the evaluation index andinfluencing factors of monetary policy, which provide the basis for later research. Then,from the empirical aspects, I use the panel data model to analyze the influence ofmonetary policy changes on evaluate commercial Banks business performance, it isconcluded that the empirical result is consistent with the theoretical results. Finally,combining with our country monetary policy and the present situation of thecommercial Banks′operating performance, I put forward the conclusion and prospect.