| Under the double pressures of internationalization and marketization,Chinese banking competition has intensified.However,due to some historical reasons,China's commercial Banks exist,such as low risk management level,high non-performing loans,low operation efficiency,and other aspects.Commercial Banks to seek development in the increasingly fierce competition environment,constantly improve their own competitiveness,some Banks began to try to introduce foreign capital.China Everbright Bank into the Asian Development Bank in 1996,opened the beginning of China's commercial Banks to introduce strategic investors.Subsequently,regulators made by introducing strategic investors to improve the overall strength of our country commercial bank's decision,and in 2003 promulgated the "measures for the administration of overseas financial institutions investment stakes in Chinese financial institutions,and immediately attracted some overseas strategic investors.With the rapid development of China's banking market and banking sector to further improve the level of the development,in recent years,foreign financial institutions in the pace of China's commercial Banks to speed up greatly.China's major commercial Banks to introduce strategic investors for the following two reasons: first,solve the problem of state-owned commercial Banks' capital adequacy.Second,solve the problem of the state-owned commercial bank asset quality,and hopes to strategic investors can bring positive impact on commercial bank financial performance.However,from the current existing part of the strategic investment institutions to sell shares of state-owned commercial Banks and get high returns,the introduction of strategic investors can improve the financial performance of Chinese commercial Banks there are larger issues,also got a wide range of academic research and discussion.Therefore,in today's numerous commercial Banks have to consider the background of the introduction of strategic investors,the introduction of strategic investors on the influence of the financial performance of commercial bank,it is very necessary.This paper attempts to introduce strategic investor Shanghai Pudong Development co.,LTD.,China mobile communication group company as a case,analysis the change of Shanghai Pudong Development Bank financial performance before and after the introduction of strategic investors,in order to make an objective evaluation of the behavior,it introduced strategic investors and to answer whether the introduction of strategic investors to improve the commercial bank financial performance.In this paper,by combining the background of the commercial Banks to introduce strategic investors and relevant theoretical analysis,with Shanghai pudong development bank to introduce China mobile as an example,studied the introduction of strategic investors influence on our country commercial bank financial performance,and will be discussed from the following several aspects:Part1 : Introduction.After a brief introduction of the development of the macroeconomic situation and the strategy to attract investment banking,then proposed the significance of this topic.Then financial performance from the commercial Banks,commercial Banks to introduce strategic investors,and to introduce strategic investors affect financial performance of commercial bank three aspects of the related literature at home and abroad were reviewed,has been clear about the research idea of this article,put forward in this paper,by using the main research methods of normative analysis and financial index analysis.Finally,narrates the paper structure arrangement.Part2 : Theoretical review.First of all to strategic investors and financial performance for the definition of the concept of commercial Banks,and from the safety,profitability,liquidity and growth four aspects,summarizes the evaluation of the performance of commercial bank financial indicators.Theoretical part,based on the traditional theory of industrial organization and the property theory,analyzes the introduction of strategic investors to our country commercial bank financial performance possible,provide certain theoretical support for the case study of this paper.Part3:Case introduced.This part firstly briefly the case company's basic situation,and stand in the Angle of the introduction of the analysis of the strategic cooperation,and improve the capital adequacy ratio,optimize the equity structure and promote the strategic transformation.Then introduces the background and process of Shanghai Pudong Development Bank introduced strategic investors,this paper expounds the Shanghai Pudong Development Bank and the specific content of China mobile's strategic cooperation.Part4 : Case analysis.Combining the theory of financial performance of commercial banks,Shanghai Pudong Development Bank financial index analysis before and after the introduction of strategic investors,mainly from the assets safety,profitability,liquidity and the development ability from four aspects,selected the capital adequacy ratio and non-performing loan ratio,return on equity,cost income ratio,LDR,and main business revenue growth and other financial indicators,respectively from the aspects of data trends,financial data,and other cut into the analysis,at the same time,combining with the characteristics of macro economic situation and Shanghai Pudong Development Bank business,it is concluded that introduction of strategic investors after the case of Shanghai Pudong Development Bank financial performance enhancement conclusion.Part5 : Conclusion and revelation.From the case on the basis of research achievements and relevant theoretical research summarized in this paper,the conclusions.From Shanghai Pudong Development Bank and the introduction of strategic investors cases obtained from three aspects of experience revelation: choose the best strategic investors,strategic mutual control risk and pay attention to the coordination effect of strategic cooperation,hope to serve as a reference for our country commercial bank strategic investments. |
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