Analysis On The Competitiveness Of City Commercial Banks Based On The Structure Of Assets And Liabilities

As an important part of China's commercial banking system,city commercial banks have played a more and more important role in serving the urban and rural residents,serving small and medium-sized enterprises and serving local economy in recent years.However,how to obtain funds from a variety of different channels at low cost,and the rational use of funds,so that the optimal portfolio of assets,to find a balance of security,profitability and liquidity point.This is reflected in the city of different assets and liabilities structure.This article is from the perspective of asset structure and debt structure to explore the impact on the profitability of the city firm.Firstly the basic theory of the competitiveness of commercial banks is reviewed,and the domestic and foreign about the competitiveness of commercial banks has carried on the statement;secondly,a high level of information disclosure of 45 city commercial banks more fully as the sample from the country's 133 city commercial banks,from the three aspects of development,the overall structure of assets and liabilities the revenue structure,the development status of the samples are summarized.Finally,the factor analysis model is established.By extracting common factor,the paper discusses the influence of different assets and liabilities on the competitiveness of city commercial banks.Specifically,the article is divided into five chapters.The first chapter is the introduction,which describes the background,theoretical and practical significance of the topic.The second chapter summarizes the theoretical basis of the competitiveness of city commercial banks,city commercial banks and the theoretical foundation of asset management,debt management,and on this basis,summarizes the domestic and foreign research on firm competitiveness of city literature,and provides reference for further research.The third chapter summarizes the current situation of the development of the city commercial bank from the following three aspects: the overall situation,the structure of assets and liabilities,and the income structure.This paper analyzes and summarizes the influence of the assets structure and debt structure on the competitiveness of the city commercial bank,which lays the foundation for the establishment of the fourth chapter.The fourth chapter through the establishment of econometric model,using factor analysis method to explore the impact of asset structure,debt structure on the competitiveness of city firms.The fifth chapter is the summary and conclusion of the article,and puts forward some suggestions to improve the competitiveness of the city commercial bank from the following two aspects: the asset allocation and the sources of debt capital.