Research On The Impact Of Comprehensive Management On The Stable Development Capability Of China's Urban Commercial Banks

The narrowing of deposit lending spreads and the intensifying competition in financial market made great contribution to the rapid development of financial industry comprehensive management.The economic system of our country is in a critical period of transition,the sub sectors of the financial market of our country industry diversified business integration trend,the integrated operation will put forward new requirements for banking innovation development and management,but also put forward new the challenge for the current system of separate supervision in China's financial industry.the policy of "steadily promoting the pilot operation of the comprehensive financial industry" was put forward in China's "11th Five-Year" plan,and it made the comprehensive operation of commercial banks has become a hot spot of practice.Although the Banks can not directly to carry out the insurance,trust,and other business for the sake of risk control,but the commercial bank can do the business through its direct control of affiliates,so as to provide the customers with the securities,insurance,leasing,etc.In this way,banks directly or indirectly participate in the operation of a number of different financial markets,providing customers with "one-stop" financial service,which is beneficial to simplify trade channel link in financial innovation,reduce the financing costs financial service object,provide a positive effect to the improvement of the service efficiency of the real economy.In the domestic commercial bank comprehensive business practice is carried out.At the same time,internationally,Citigroup and Ubs are selling their sub-businesses.These action of financial comprehensive operation leader had to cause our reflection on the financial industry comprehensive management,Is the comprehensive management path is right for the steady development of China's financial industry in current ? Is the realization of the rights of the current laws and regulations of the financial industry comprehensive management regulation effectively.These are the problems we need to study urgently.As the third echelon of the banking system of our country,the city commercial bank is the object of this paper.This paper makes a full study of the experience of two comprehensive business models of foreign universal banks and financial holding companies.Under the background of Continuously promote the marketlization of interest rate and the rapid development of comprehensive management of financial institutions in our country,the paper base on our country banking association of gyro(GYROSCOPE)evaluation system,and the 75 urban commercial Banks in China in 2000-2015 financial data to carry on the empirical research,deeply analyzed the impact of comprehensive operation on the sound development ability of commercial Banks in China.The full text is as follows:The first part is theoretical preparation.The first chapter mainly introduces the background and meaning of the topic,the literature review,the research content and the method of the research,the second chapter is theory Review and reference.we mainly defines the comprehensive management and related definition of The ability of city commercial banks to develop steadily,then we combing the theory related to banks comprehensive management and deeply analysis the impact of comprehensive management on the stable development of urban commercial banks in china;The third chapter is the analysis of the status.The second part is empirical analysis.In fourth chapters,first of all,the index system is constructed,and the index of comprehensive operation of city commercial banks is described.Then,the representative indexes are selected according to the evaluation system of gyro,so as to construct the evaluation index system of steady development ability of city commercial bank.Based on the data of 75 City firms in 2000-2015,the panel model is built and the generalized moment GMM estimation method is chosen to analyze it.The third part is policy recommendations.The results show that the comprehensive management of city commercial banks really can control the business risk,but can not improve the banks profitability.After introducing the scale of assets,it is found that,city commercial banks with the comprehensive management model,the larger the banks are,the more profitable,and the greater ability to manage and control them can be.In the last chapter of this article,the author suggests that the city commercial banks in our country should combine their own assets scale,management level and other practical conditions,and choose appropriate comprehensive management level and mode,so as to develop healthily and steadily.