The Influence Of Business Development On The Performance Of Listed Banks In China

Interbank business is defined as the business between the finan cial industry customers,trade the financial industry customers as the object of the transaction and cooperation, with the industry’s financi al intermediation as the core of the financial industry related busine ss. On the bank balance sheet Inter-bank business are reflected in i nter-bank deposits, lending money, buy back sale, inter-bank deposit s and borrowing funds and repurchase and other subjects. In recent years, with the relaxation of China’s regulation, the banking indust ry gradually changing from the traditional "separate operation" mode to the internationalization of the "mixed" mode of development. W ith the process of financial reform of our country interest rates, exc hange rates and asset securitization was accelerated, the commercial bank’s asset liability table structure has also undergone a great cha nge, the inter-bank assets and trade debt dependence degree is more and more. The development of inter-bank business shows that ban ks have been involved in other financial areas, and also laid a goo d foundation for China’s financial industry to create a more efficien t financial market environment. But various commercial banks are n ot consistent with the understanding of all kinds of business, some banks just as a supplement to the traditional business, and did not recognize the broad prospects for the development of the industry.This paper mainly through a combination of qualitative and qu antitative analysis of the relationship between the development and Performance of listed Bank of Chinese inter-bank business. The qua litative analysis of reasons for the rise, development status, the mai n research of China’s listed banks inter-bank business and the impa ct on China’s financial market. Quantitative research in 2008 to 201 4 China’s listed banks as samples, through the empirical research o n different kinds of inter-bank business and bank efficiency, based on factor analysis and DEA combined model to measure the efficie ncy of banks, and using panel data regression analysis method of i nfluence of all categories of business expansion on the efficiency of banks for empirical validation. And on the basis of the study on t he future of China’s commercial banks inter-bank business developm ent put forward reasonable suggestions from the perspective of macr o and micro.The conclusions of this paper are as follows:(1) In Chinese lis ted banks assets, with the increased of business of storage industry and buy back sales can enhance the Performance of the commercial bank, but increases in lending funds did not significantly enhance bank performance level. It shows that the allocation of the optimiza tion of some industry assets in China’s listed banks is beneficial to the improvement of the Performance of commercial banks. (2) in our country commercial bank inter-bank liabilities business, with the increase of inter-bank deposits and financial assets sold for repurc hase the Performance of commercial banks would decrease, borrow ing funds did not have obviously influence on bank Performance. B ut overall listed above, inter-bank liabilities shows large fluctuations and instability problems, the listed banks need to enhance the mana gement ability of inter-bank liabilities. (3) the increase of China’s c ommercial banks provision coverage will decrease the Performance of commercial banks. Provision coverage is not reasonable, it shoul d be reasonable to control bank provision coverage in the business process.