Research On The Change Of Commercial Bank 's Asset Business Structure And Its Influencing Factors

For a long time, the Commercial Bank of our country mainly depend on interest income based profit model. From the analysis of the external financial capital constrained environment, industry competition, the marketization of interest rate, financial disintermediation and the market demand, profit model transformation of Commercial Bank of our country has the necessity and urgency; from the national financial policy and commercial banks management factor analysis, profit model transformation of Commercial Bank of our country has certain basic conditions and with the maturity of the environment.。This paper mainly includes theoretical and descriptive statistics, empirical and Countermeasures in the four parts. The theory part, in operational assets structure and the banking system marketization, liberalization in-depth background, analysis of the formation mechanism of Chinese commercial bank assets structure inside the bank and market dual forces, reveal the influencing factors and path effect of assets business structure. Descriptive statistics, uses 16 listed commercial banks in 2007 financial report data of-2013 years, from three points of view, investment and cash class loan categories, with multiple dimensions of time and structure characterization of evolution and performance of the source of business assets structure of Chinese commercial bank characteristic, make the analysis and summary on the changes in the 16 China’s commercial banks in the structure of business trends. The empirical part, establish the regression model of panel data, in the static analysis level, from the bank’s internal and external environment of two aspects of a comprehensive analysis of the elastic system financial policies, market wing decline environment variables that affect asset business structure of commercial bank’s experience and evidence. In the dynamic levels of analysis, from the factors of diversified operation of commercial banks affect bank income gap by the types of business structure, parameters estimation of dynamic characteristics of regression study in the process of financial liberalization, banking market background. The results show that the empirical data, the business of asset liquidity and positive influence assets of the bank’s profitability and solvency, the bank’s investment assets and current assets on the growth ability of banks showed a significant role in promoting; ownership structure significantly enhance the liquidity structure of banks, but on the commercial bank investment assets has a negative the remarkable effects. Countermeasure part, the conclusion gives the fit banking operation "three" policy suggestions based on the principles of operation.