Research On Market Performance Of Operating Performance Of The Listed Commercial Banks In China

The financial sector at the heart of modern economic development, commercial banks is the most important micro-finance industry body. Commercial banks are running high market performance not only directly beneficial to the effective operation of the bank itself, is still largely promoted the sustained, rapid and healthy development of the financial sector. With the full liberalization of China’s financial markets, the Basel II capital requirements, particularly in recent years, more and more foreign financial institutions to enter China’s capital market, to carry out a variety of financial services, its high quality level of service and high operating a greater pressure on the performance of commercial bank reform, China’s commercial banks not only by the challenge from foreign financial institutions, but also always be a competition among domestic commercial banks, especially the balance of2013turned out to treasure, upset bank interest rate market rhythm, but also makes the savings banks was greatly diversion, competition among banks intensified.In this paper, based on the theory of industrial organization, combined with existing research results at home and abroad, under the SCP paradigm based on the relationship between market structure and performance, to study as part of the most dynamic commercial banks, namely China market performance of listed commercial banks. In the third chapter of this article, to China’s16listed commercial banks for the study of five state-owned banks, eight national joint-stock commercial banks and city banks listed three specific comparative analysis of the market structure through which identify the main factors influencing the market structure. In the fourth chapter, the use of factor analysis of Chinese listed commercial banks a comprehensive evaluation of market performance, market share of commercial banks as weights, analyze past five years, the situation of China’s listed market performance of commercial banks, come to its market performance presents rise, resource allocation efficiency of the market has improved. Through a comprehensive analysis of the third, the fourth chapter, the paper in the fifth chapter of the factors affecting market performance of China’s listed commercial banks were multiple linear regression analysis, empirical analysis shows that the market performance of listed commercial banks in China have significant positive correlation factors are market share, market concentration, capital adequacy and liquidity ratios. Its market performance has a significant negative correlation factors is the cost to income ratio, non-performing loan ratio, the ratio of deposits and loans. Of eight national joint-stock commercial banks and city banks listed three listed, the market share is still its core content, market concentration and market barriers and national policy tilt also to some extent affected the performance of its markets, thus the allocation of resources, scale efficiency of the entire structure of the market, such as commercial banks have had a certain impact.Based on these conclusions, the paper presented at the sixth chapter of China’s listed commercial banks to improve market performance four-point proposal:to improve the listed commercial banking market structure, optimize the governance structure of listed commercial banks, commercial banks to prevent financial risks and encourage commercial banks to finance innovation.