China Commercial Bank Deposits Research And Strategy Analysis To The Influential Factors Of Absorptive Capacity

In recent years, with the continuous development of China's commercial banks, deposit taking increasingly diversified business type, total deposits increased year by year, and maintain a relatively stable situation. For banks, deposit taking business is the foundation of business, if a bank can absorb the steady growth of business, ability to absorb growing, then not only banks with good material basis, better able to promote the development of other banking business, and overall economic security. In addition, better absorption capacity and level of deposits also maintain their advantage in a competitive environment, a prerequisite for enhancing market share and profitability. However, with the development of financial markets, bank deposit taking business is also facing many challenges. From the current point of view, the commercial banks not only faced with the difficulty of increasing savings, the savings rate slowdown downward pressure, but also with markets in other financial products and derivatives to compete, higher yields are more vulnerable consumers. At the same time, recent macroeconomic slowdown, income and propensity to save has also undergone great changes, relatively backward social security system can not meet the residents of the higher level of protection requirements, which enables customers no longer simply the pursuit of yield deposits, more concerned with personal needs and long-term comprehensive benefits and the like. It is more than the combined effect of multiple factors, bank deposits is difficult to improve the absorption capacity. In addition, the world financial system has undergone continuous exchange and integration, commercial banks continue to learn from each other in the process, learn from each other, competing platforms from the same industry with the field expanded to a greater level of deposits absorptive capacity of the financial system by restricting competition. In summary, the influencing factors of China's commercial bank's ability to absorb increasingly diverse, but each bank has a high absorption rate and low, it is the result of many factors working together. This paper seeks in an increasingly competitive background, the absorption capacity of commercial banks to explore the influencing factors, which make reasonable suggestions for the development of the industry. Even more critical it is that the paper will no longer absorb the bank deposit rate as a single variable, and its social security system to build together, which is both the national security system to reflect a high level, but also the combination of economic growth and social reflect. In this study, we chose to income, household savings rate, yield competitive products, the social security system to build multiple factors progress, deposit interest rates, the use of statistical knowledge multivariate linear regression analysis, and empirical inquiry, draw relevant conclusions are given corresponding recommendations. At the same time, our study not only in the horizontal dimension, further analysis and study of growth from the perspective of longitudinal time series analysis. Through theoretical and empirical research, we can see not only commercial bank deposits overall good absorption capacity, the total amount of deposits is growing, but also recognized that growth is slowing, structural deletions, propensity to save changes to the social security system consider increasing status quo that the future development of China's commercial banks has brought more challenges.