Study On The Effect Capital Structure Placed On The Performance Of Commercial Bank In China

Since the subprime lending crisis,the global economy has entered a rapidly changing period,and a series of uncertain factors such as Britain's disengagement have erupted,The process of domestic interest rate marketization and internet finance have been progressing continuously which have shocked commercial banks.Nowadays,China have to face a complicated and changeable economic surroundings.Therefore,a higher level of performance must be reached.Commercial banks capital and other enterprises are huge differences,divided into core capital and subsidiary capital.The performance of commercial banks is a synthesize reflection of commercial banks' profitability,solvency,liquidity.The bank's capital structure determines the ownership structure and overall operating costs,which profoundly affect the bank's performance.So,the research about what effect the China's listed commercial bank's performance and how the capital structure effect on business performance,which is critical crucial to enhance the bank's capital structure and advance its business performance to a higher level.Firstly,recommend some basic theories which involve to capital structure,and the study methods and conclusions of the historical documents is briefly introduced.This study analyzes the hodiernal circumstance and the defect of capital structure and performance of commercial banks in China.In order to make the conclusion practicable,set up the multiple linear regression model to search.This paper chooses the relevant data from 2010to 2015 of China's commercial banks,with the top one stockholder of the nature and the proportion,the proportion of the top five stockholders,the proportion of subsidiary capital,capital adequacy ratio express capital structure;with the ROA,NPL ratio,liquidity ratio express performance,carries on the statistical analysis in Stata,and discusses the influence of the commercial bank capital structure on the business performance by the regression result.The results reveal that the relative concentration of ownership structure will promote the enhancement of bank performance,the nature of the largest stockholder does not have a great impact on it,and the proportion of subsidiary capital to total capital is positively correlated with the bank's performance.Capital Adequacy Ratio has a positively correlated with bank operating performance.According to the empirical results,this paper proposes the policy suggestions to perfect the capital structure of China's commercial banks and increase the performance of commercial banks for purpose of perfecting the capital structure of commercial banks and enhance the performance of banks.Combining with the present condition and empirical analysis of the capital structure of commercial banks in China.In the core capital,the establishment of a moderately centralized ownership structure;the state of the importance of the bank must maintain a relative holding,and the introduction of strategic investors,and gradually increase the total amount of public reserves and accounting for ancillary capital,Than to adjust the structure of subsidiary capital,reduce the mutual holding of subsidiary capital between banks,the development of innovative capital tools.