The Study On The Effects Of Asset Structure On The Growth In Commercial Banks Of China

With the competition of financial industry and the improvement of marketization degree in our country, the assets of commercial banks are increasing gradually. Because of the special function and organization form of commercial banks, the asset liability ratio is very high, and its own capital is very small,and the liabilities mainly come from the residents and enterprises and institutions.Therefore, the banking industry has become more and more attention to the use of the assets of the bank's income,good,diversified assets not only can bring considerable profits to the bank, but also can effectively reduce the risk of financial markets. Which accounted for the total assets of the share of assets,the asset structure, it is the bank to develop long-term business, the rapid growth of strategic planning needs to consider an important indicator.13 listed commercial banks in China are selected as the research object in this paper, first of all to understand the assets structure of commercial banks related basic theory and the present situation, fully understand the problems existing in our country commercial bank assets allocation, and carries on the analysis to the growth of China's commercial banks.Secondly, through analyzing the mechanism of influence on the growth of the structure of the assets of commercial banks. Analysis mechanism of the impact of assets structure on the growth,and the effect of the growth of the bank by the empirical analysis of the method validation of specific assets structure. Among them,the growth of China's commercial banks to measure, according to the growth of the different conditions, selecting 6 financial indicators which can fully reflect the growth, the use of DEA method to estimate the growth of comprehensive indicators. And the index as explanatory variables, to an asset in accounting for than important cash and deposit of central bank money, issuing loans and advances,investment in bonds and interbank assets 4 indicators as explanatory variables, the establishment of VAR model, regression analysis, then further impulse response analysis and variance decomposition analysis. It can be seen that the loan to the growth of the assets of the most severe, and the largest contribution to its contribution rate of the second. Moreover,different types of financial institutions, growth factors also showed differences. Therefore, the various types of banks to optimize the structure of their assets and liabilities, enhance risk prevention capabilities, and further enhance profitability, to achieve sustainable development of health.