Research On The Development Of Corporate Finance Of Urban Commercial Banks

With the interest rate market reform completed,China City Commercial Bank to rely on spreads of credit business profits by squeezing,adjust the profit structure has become its task can not wait.For a long time,the city firm attaches great importance to the business of the business,especially the company's financial business,and as a new profit growth point.With the continuous enhancement of corporate profitability and the accumulation of corporate wealth,the company's financial demand has continued to rise,further stimulating the development of China's city business firm financial business initiative.With the recovery of China's economy,corporate profitability has improved,corporate wealth continues to accumulate,corporate financial awareness has increased significantly,corporate financial demand continues to rise,the city firm to develop the company's financial business is bound to be promising.Firstly,this paper introduces the definition of financial management business and the classification of corporate financial products,and explains the theory of investment portfolio,financial innovation theory and scale economy theory which promote the development of financial management business of city commercial firms.Secondly,it reviews the development course of the financial management business of the city commercial firms since 2005,and describes the main features of the three stages of development.It also introduces the financial management business of the city from the aspects of the business market scale,business management mode and financial management investment The development of the status quo,at the same time summed up the business development of the main problems.Thirdly,the author analyzes the influence of financial supervision policy,social financing structure,enterprise asset management demand and business ability of city commercial bank,business risk of city commercial bank and so on,from the external and internal aspects.Then,on the basis of theoretical analysis,we choose the internal variables such as money supply,social direct financing scale,enterprise prosperity index and the total assets of city commercial and commercial banks,non-performing loan rate of city commercial firms,and use VAR model to study the relationship between city and firm The relationship between the business risk of the city bank and the business development of the city commercial bank and the degree of influence and the degree of influence of the financial management of the city bank,The empirical results are analyzed and the conclusions of the empirical analysis are obtained.Finally,according to the above conclusions and the characteristics of self-development,this paper puts forward the macro-policy and micro-suggestions to promote thedevelopment of the financial management business of the city's commercial firms from the external and internal perspectives in view of the existing problems in the current development process.