Research On The Relationship Between The Ownership Structure And The Business Performance Of Urban Commercial Banks

After more than 20 years' development,the city commercial bank has accounted for 12.9% of the total assets of the bank,and has become an indispensable component in the banking industry of our country.Although the economic downturn has been affected by the economic downturn in recent years,the development of the banking industry has slowed down,but the urban commercial banks still maintain a higher net profit growth than the large commercial banks.In order to explore the reasons behind the high growth of urban commercial banks,this paper studies the relationship between the ownership structure and the management performance by choosing the urban commercial banks as the research samples.In the process of evaluating the management performance,the ROA is selected to measure the financial performance of the city commercial bank.Through the analysis of the literature and the previous research results,the middle income,which reflects the innovation ability of the city commercial bank,is selected as a supplement to the management performance.The financial indicators and innovation capability indicators jointly reflect the performance of city commercial banks.In addition,we add two variables of the board size and the proportion of independent directors to the total number of directors to comprehensively measure the ownership structure in the empirical analysis.Through the empirical analysis,it is found that when the concentration degree of the urban commercial bank is increased,its performance will be improved relatively,and the performance of the innovation ability is more excellent.The expansion of the board of directors,the improvement of the proportion of independent directors in the middle income ratio of urban commercial banks also help to improve the performance of the city commercial banks.In view of the empirical results,an optimization proposal for the equity structure of urban commercial banks is proposed: in view of the enhancement of the former five major shareholders' control ability,the position of the controlling shareholders of the city commercial banks can be enhanced,especially the control ability of the fivelargest shareholders in the former city commercial banks,the scale of the board of directors and the increase of the independent directors are appropriately enlarged.To strengthen the internal governance of the board of directors.I hope that through such optimization measures,we can further improve the performance of city commercial banks.According to the empirical results,put forward the suggestion of optimizing the capital structure of city commercial banks,city commercial banks increase the degree of ownership concentration,whether it is the first big shareholder or increase the proportion of top five shareholders and increase,all contribute to the business performance improvement;expand the scale of the board,and the increase of independent directors in the board of directors the proportion of.It is hoped that through such optimization measures,the business performance of the city commercial bank can be further promoted.