Analysis On The Impact Of Debt Structure On The Value Of Commercial Banks

There is always the ties between the world economy and the development of commercial banks, as the core of the commercial banks of the three major financial institutions in the development of the world economy from a pivotal position, commercial banks in promoting the development process of the economic entity to help financial intermediation role. Especially after the financial crisis, China entered the new normal, steady growth, structural adjustment, promote transformation become the economic development of normal, entity economy entered a transition period pains, on commercial bank management and operation and management have very high requirements. Constantly changing thinking and mode, the reasonable value standard of commercial bank has a decisive role in the capital operation and normal operation of commercial banks.And commercial banks as the core of modern banking and its management particularity makes itself in the cost of risk management, the control, business development will be affected by many factors, and the structure of bank assets of commercial bank profit, risk and cost a key role. In the structure of the commercial bank assets liabilities accounted for parts, for commercial banks, debt is not only the volume, and the liability form of complex and diverse, different debt structure of commercial banks in risk to control, cost management, the profit pattern, and have different effects. And the cost, revenue will be an important basis for the assessment of enterprise value, the impact of the cost, revenue will be reflected in the value of the enterprise.And in this paper, combined with previous of general industry and commerce enterprise debt on the effect of enterprise value based, combined with the characteristics of commercial banks, innovation through the debts of commercial banks listed on the subdivision, choose at the present stage of commercial banks value evaluation method study different liabilities ratios, different ways of debts, different debt maturity and to assess the value of commercial banks, the most direct reflection of the impact of debt of risks, costs and benefits to the value influence of listed commercial banks. By using linear regression tools for analysis of the impact of the eventually understand that commercial bank debt to affect the value is mainly affected by the liabilities rate influence, and related debt initiative, passive debt, long-term debt, short-term debt can affect main trend to impact on its risk and business model of shadow.