Research On The Effect Of The Inter-bank Business On Chinese Listed Commercial Banks’ Performance

With the speeding trend of market--oriented interest rates and financial disintermediation,the operation of traditional commercial banks which only depend on interest rates has been seriously challenged. Meantime, the inter-bank business has obtained the rapidly expanding and development. Under the background of asset transfer system is not perfect in our country, the inter-bank business although conforms to the market requirements of being external which optimizes the assets structure, speeds up the circulation of assets of beneficial exploration.But its model is easy to cause liquidity risk and disguise the real risks, not easy to supervision and macro-control. Therefore, on the premise of doing a good job in risk prevention, it is necessary to better play the advantages of inter-bank business from the perspective of commercial bank profit creation and cost control under the governance norms. This not only helps to objectively evaluate the trade business, but also to trade the reasonable allocation of assets and trade liabilities for direction.This paper based on the 2010-2014 related financial data of 16 listed commercial banks in China as the foundation, has fully described the development of the trade business of the listed banks by analyzing the listed banks operating situation, trade business development scale, trade business income growth, structure and trade business cost assessment, etc. Secondly, through the method of factor analysis, it also measures the commercial banks operating performance indicators. And according to the correlation strength, the performance indicators has been divided into four factors: development capability, asset quality, profitability and liquidity, as defined by the proportion factor to the listed banks performance comprehensive score. Then this score as explained variable,will trade assets accounted for the proportion of total assets, trade debt to total debt ratio,handling fee and commission income, social financing structure and gross domestic product(GDP) as the explained variable, using the panel data regression model method research trade business development the influence of the operating performance of listed banks and draw conclusions. Finally, this paper gives the suggestions to scientificly develop the interbank trade business and promote trade business market in healthy andstable way for listed banks.