Research On The Impact Of Deleveraging To The Performance Of China's Listed Commercial Banks

A rare huge financial crisis outbreak in the United States impact on the global financial system and order, resulting in financial asset prices have fallen, the financial institutions going bankrupt. In the meantime, the banking system has suffered heavy losses, banks high risk exposed. After the crisis, the deleveraging process of banks, although reducing the risk to some extent, but also led to a substantial reduction in the size of credit, but magnified the impact of the financial crisis. The financial crisis triggered a broad reflection of the current national financial institutions and bank capital regulation system operating performance. After the crisis, with the "Basel II" series have been introduced to the international banking regulatory requirements has reached a new historical high, the latest "Basel III" supplementary leverage ratio of new regulatory targets, will cooperate capital adequacy ratio, and further the strict supervision of the bank's business, the CBRC will also be included in the leverage ratio of commercial bank regulatory system. But in the second quarter of 2013, lasted a month "money shortage" spread to China's capital market, but also reflects China's commercial banking system liquidity fragile. Visible, the future of China Banking deleveraging still has a long way to go.Based on the provisions of the "Basel ?" in the leverage ratio, as well as commercial bank performance evaluation system related analyzes and summarizes the relationship between the two. Meanwhile, in recent years, selected operating data of China's major listed commercial banks, the empirical analysis of the data by the panel, indicating that continuously push forward the process of deleveraging, and in improving the safety of commercial banks at the same time, will give the profitability of commercial banks with be adversely affected. Finally, for the future development of the bank, make feasible suggestions from financial innovation, liquidity management, capital quality management, performance evaluation system perspective. With the accelerated development continues to advance the process of marketization of interest rates and Internet banking, the future development of commercial banks will face more difficult challenges. How to survive and develop in a complex financial environment, the balance of its profitability, safety and liquidity in the global deleveraging trend, all the banks and regulators to think about.