Whether The International Services Would Affect The Performances Of Commercial Banks

In the current context of internationalization of the RMB and "along the way" strategy of "going out" for commercial banks, both opportunities and challenges. In this paper, bankscope database of commercial banks related data, analyzes three aspects of the performance of commercial banks to set up cross-border operation mode branch channels of commercial banks in return on equity (ROE), non-performing loans ratio (NPL) and the bank’s capital ratio (capital_ratio) Impact. The study found:First, the establishment of cross-border commercial bank branches will increase the non-performing loan ratio (NPL); second, the establishment of cross-border commercial bank branches will reduce the return on net assets of commercial banks (ROE); Third, commercial banks the establishment of cross-border branches will reduce the capital ratio of commercial banks (capital_ratio). Fourth, commercial banks did scale to commercial banks non-performing loan ratio (NPL) showing a heterogeneous:the larger commercial banks will reduce the rate of non-performing loans (NPL), and for the smaller commercial banks will increase bad loan ratio (NPL). Fifth, during the global financial crisis, commercial banks listed commercial banks ratings are an important channel for commercial banks to set up branches of the impact of cross-border commercial bank performance. Finally, according to the empirical results, the article proposes a phased "going out" policy recommendations of commercial banks in China.