| In 1990s, the city credit cooperatives began to set up China's urban commercial banks,which Central bank in order to rectify the city credit cooperatives and defuse local financial risks.The city commercial bank is gradually developed in the special historical environment of our country. With the development of more than 20 years,As the main body of the small and medium-sized enterprises, rural economy and community service, the city commercial bank has already occupied a very important position in the whole financial system, which is very important to the economic operation of the whole country.The City Commercial Bank set up the characteristics of small and medium enterprises and regional banks, it has become the third echelon of China's banking industry.After the establishment of the City Commercial Bank,it is based on its own reality.Using the unmatched flexibility of property right and organizational efficiency,the City Commercial Bank achieve rapid development,growing as an important force in China's banking industry. The City commercial banks not only play an important role in local SMEs, but also have an important impact on the operation and management innovation of China's banking industry.They are conducive to the improvement of the efficiency of the banking operation.By December 31,2015,the number of city commercial banks in China was 133, and the total assets reached 226802 yuan, accounting for the proportion of banking financial institutions as high as 11.7%.Urban commercial banks have played an irreplaceable role in resolving the local financial risks, promoting the development of local finance, improving the modern commercial banking system and active financial market.Most of the city commercial banks in China are not listed.The researches on the performance of the domestic banks is mainly focused on the listed state-owned commercial banks and joint-stock banks.In recent years, some scholars have studied the performance of city commercial banks.However, due to the city commercial bank's annual report is not timely and comprehensive appeared in the official website, the relevant research data is not easy to obtain, the research of efficiency is not very adequate.Based on these reasons, this paper will take the City Commercial Bank of Shandong Province as the research sample, and analyze the performance of the City Commercial Bank of Shandong Province.This paper mainly uses the panel data fixed effect model to analyze the influence factors of the performance of City Commercial Banks in Shandong Province.Using STATA software,we first describe the 14 City Commercial Banks in Shandong Province;Then the regression analysis of the fixed effect model is carried out by using the two bank performance model;Finally, draw the conclusion, and put forward the countermeasures and suggestions for the development of City Commercial Banks in Shandong Province.Through empirical research, this paper found that capital adequacy ratio and a single large customer loan ratio have significant positive correlation with bank performance,and the non-performing loan ratio is negatively related to the performance of the bank performance,but it is not significant;In the ownership structure of City Commercial Banks,the first largest shareholder equity ratio, the first major shareholder equity property and the first major shareholder holding capacity (Z index) have a significant negative correlation with the performance of City Commercial Banks;Fee and commission income of non interest income of the Urban Commercial Banks in Shandong Province has a significant positive correlation with the performance.Based on this conclusion, this paper put forward that the Urban Commercial Banks in Shandong Province should not only pay attention to the management of risk prevention but also pay attention to the business of innovation.City Commercial Banks should continue to develop intermediary business,focus on the development of diversified ownership structure and increase the intensity of personnel training.Only in this way can we lay a solid foundation for the healthy development of the City Commercial Banks. |
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