A Comparative Study On The Change Of Business Structure Of Listed Commercial Banks

Since China's reform and opening,China's economic has rapid growth,the financial industry to flourish,commercial banks to expand in the form of listed banks.With the financial globalization deepening,financial disintermediation,interest rate marketization is basically completed,commercial banks' deposit and loan interest rate narrow constantly.So commercial banks need to carry out business structure adjustment,enhancing profit ability of commercial banks that it is the only way to promote its development.This paper studies the business structure of large-scale commercial banks,joint-equity commercial banks and urban commercial banks which are listed in A-share.Content of this paper is divided into five parts.The first part is an introduction,elaboration of the research background,purpose and significance,research status,related theory knowledge and innovation points,etc.The second part mainly elaborates the definition and the status of listed commercial banks.The third part is mainly the analysis of business structure changes of listed commercial banks,analyzes changes of deposit and non-deposit proportion in three types of listed commercial banks from 2011 to 2015 to liability structure;the analysis and comparison of three types of listed commercial banks' asset structure through the change in proportion of credit and non-credit from 2011 to 2015.As for non-interest income business of listed banks,analyzes and compares the proportion of non-interest income and business and net fee and commission income.The fourth part mainly analyzes reasons for the changes of business structure of listed commercial banks and influence of business structure changes on banks and macroeconomics.Through the comparative analysis of changes of business structure,three types of listed commercial banks have been adjusted their business structure in the past five years.The adjustment scope of the listed large-scale commercial banks is less than the listed joint-equity and urban commercial banks.While liability structure optimization degree is not as good as the other two types of listed commercial banks.In the asset structure,the development of daily cash asset business of the large-scale is relatively stable,but the proportion of loan shows an upward trend,other commercial banks indicate the opposite trend.Listed commercial banks are beginning to put more attentions to development of non-interest income business,while development of this business is at a low level.Finally,this paper mainly discusses the listed commercial banks to improve the structure of its business and provide concrete and feasible countermeasures.