Empirical Research On Commercial Banks’ Performance In China

The world economy growing in lower-speed, showed slow recovery trend in 2013. Besides, it led to financial regulatory reform continued that the global financial system continuing to adjust, the international financial market volatile. Fed’s quantitative easing policy withdraw gradually in a dilemma; The European debt crisis entered a relatively quiet period, but the Eurozone as a whole still faced many long-term, structural problems; The global financial market volatile, performance of developed economies and emerging market economies was different. Faced with the complicated international economic and financial situation, China adheres to the overall steady growth, adjusting structure, promoting reform, and continues to implement the proactive fiscal policy and prudent monetary policy, transiting in the difficult period of economic transition.Commercial banks, as the central sector of the national economy, play the functional role of regulating the economy, credit creation, credit intermediaries, pay intermediaries and financial services, so that its performance has been an important subject of finance research. Unlike general corporations, the objects of commercial banks are monetary and fund. In order to achieve social and economic effects, commercial banks regulate the money supply through operating various types of financial assets and financial liabilities. Commercial banks’ efficient operation system can provide convenient and efficient payment system for the community. And more importantly, the safety and stability of the banks also play a decisive role for macroeconomic performance.As the financial industry gradually becoming the center of global economy, the researched questions deepen and the influencing factors analysis and mining are deepened and specific. By summarizing the literature review, we proposed the commercial bank performance indicator system covering profitability, liquidity, security, growth capacity and social influence. Through the panel data regression model, we made empirical analysis of the 18 commercial banks in accordance with the categories of the state-owned commercial banks, joint-stock commercial banks and city commercial banks respectively. The results showed that the safety, growth capacity and social influence have an important role in affecting the level of state-owned commercial banks performance; Profitability, security and grow capability have an important influence on the level of joint-stock commercial banks performance; Profitability, liquidity and security capability have an important influence on the level of city commercial banks performance.