The Empirical Research On The Impact Of Loan Structure To The Performance Of Chinese Listed Commercial Banks

China’s commercial banks in the way of the mixed contribution of go very carefully, can be expected in the near future, the main source of bank revenue will continue to be the difference between deposit and lending rates is net interest income, while Bank The operating income is the most important part of the loan will still be the most important issue facing banks is safe loans. At present, many scholars in the bank loan structure on the operating performance of this has done a lot of research, in which it affects the most obvious is the term structure, guarantee structure, regional structure, industry structure and customer structure.In this paper, when the structure of bank loans are divided reference to some scholars divide the way past, and with most of the original combination of banking information, the bank loan classification structure in more detail, according to the loan term, guarantees, territory, industry, customers, and the degree of risk to be divided. While the country’s13listed commercial banks according to their different nature into the state-owned commercial banks, joint-stock commercial banks and city commercial banks, and describes the structure of various types of bank loans current state of development, the specific circumstances summarized as follows:by duration type When the classification term loans growing faster, but the impact on business performance is not clear; when classified according to the type of mortgage and secured loan with a loan amount of credit is relatively large and fast-growing characteristics, payment terms of credit for the bank’s earnings have a significant The positive impact, while safety is rendered negative influence; loans accounted for a large eastern coastal regions by geographical classification, but the loan is relatively fast growth in underdeveloped areas of the eastern coastal areas to increase lending issuance of bank performance has a significant negative impact; large manufacturing by industry, transportation, energy and real estate and other industries accounted for the loan amount, the specific impact on bank performance determined in accordance with the nature of the bank, the different nature The influence of different banks; the proportion of top10loan customers showing a declining trend, but the proportion is still high, in other words, is more focused on the negative impact of borrowers to banks greater business performance.Combined with the current situation of China’s economic development was analyzed that the bank not only to raise awareness in their business performance, but also need to be concerned about the prospect of banks and social performance, the bank only in a good social environment in order to have better and more long-term development in order to achieve the objective to improve the operating performance of the bank itself. It’s not just the bank unilaterally make certain efforts can be achieved, especially in the community need mutual cooperation and support between the government and banks. Therefore, the article has the important theory significance and the practical significance.