Diversified Research Influence On The Performance Of Small And Medium-sized Commercial Banks

More and more corporates identity that is helpful for enterprises to expand,it can run a risk dispersedly,multidisciplinary and increase market share,improve industry rankings have a reputation effect.In foreign enterprises,under the drive of benchmarking on diversified economy,in our country all walks of life come to expand and adopt diversification strategy,hope that the enterprise could be the next American ge company myth.In this paper,first by studying the diversified development of small and medium-sized commercial Banks in our country,have learned to our country in 2003,during the period of prosperity is to allow commercial Banks to diversification,after the financial crisis in southeast Asia,the business of small and medium-sized commercial Banks of our country strict constraints."Twelfth five-year" puts forward comprehensive business,diversified business of small and medium-sized commercial Banks in China began to gradually developed.Then from the homogeneity of diversified business,financial business and financial indicators research diversified management present situation of small and medium-sized commercial Banks in our country,and concludes that our country small and medium-sized commercial Banks to diversify business development is very unbalanced,influence on the performance of small and medium-sized commercial Banks are different.On the basis of theoretical analysis,the small and medium-sized commercial Banks in our country in 2016 released by the gyro evaluation system is divided into national small and medium-sized commercial Banks,city commercial Banks and rural commercial bank three categories,for small commercial Banks selected 32 banks 2008-2015 panel data for empirical analysis,and analysis to our country small and medium-sized commercial Banks business diversification,diversification of national small and medium-sized commercial Banks profit ability have a positive impact,but the diversification of urban commercial Banks,rural commercial Banks profit ability have a negative impact,and the negative impact on city commercial bank profitability less than rural commercial bank.Therefore,small and medium-sized commercial Banks should base on its own,to find suitable for characterization of the business.