The Research On Rural Commercial Bank Between Ownership Structure And Operating Performance

Ownership structure is the property basis of corporate governance,the scientificityof ownership structure determines the effectiveness of corporate governance,further moreaffect the company’s operating performance.As to see,to improve company performance,it is necessary to optimize the ownership structure, improve the corporate governancemechanism.Considering the basic and special position the banking sector has in the country’seconomy, especially rural commercial bank’important position in rural finance, itsoperating performance is related to the rural economy.And common problem in the bankownership structure appears,such as the high side of the state-owned shares and legalperson share proportion, relativelyconcentrated and unreasonable in ownership structure,the social public shareholders relatively scattered, big shareholder identity is not clearwhich lead to "owner absence" and so on.Unreasonable ownership structure influenced theimprovement in operating performance of bank, hindered the development of ruralcommercial bank itself, at the same time is not conducive to promoting China’s ruralfinancial system reform and innovation.By study the theory of the commercial bankownership structure and performance, combined with the particularity of rural commercialbank, considering the development of China’s rural commercial bank reform practice,building the model of the relationship between ownership structure and operatingperformance, using the factor analysis method to measure bank comprehensive operatingperformance, from the ownership concentration and ownership balance degree andownership property three aspects to analyz.It shows that the first big shareholder nonlinear relationed with bank performance,the controlling shareholder balances ability and performance are related.At the same time,the bank legal person share proportion has a complex inverted u-shaped relationship withbank performance.Based on this, the article puts forward appropriate central bankownership structure,introducing strategic investors to diversify ownership structure,perfectthe incentive and constraint mechanism, with this to establish a scientific and reasonableownership structure,and eventually to improve the level of bank performance.