Research On The Influence Of The Supervision Of Leverage Ratio On The Overall Performance Of Commercial Banks

Based on the background of leverage ratio supervision and the situation of commercial bank operations,this paper draws on relevant domestic and foreign research literature,selects relevant data of 18 listed commercial banks from 2007 to 2016 as research samples,and aims at the effect of leverage ratio supervision on the overall operating performance of commercial banks.Qualitative deductions,quantitative analysis and empirical research are conducted in order to explore the real impact of leverage ratio supervision on the overall operating performance of commercial banks,in an effort to both promote the optimization of financial regulatory policies and help commercial banks identify the business models for transformation and development.In terms of qualitative deduction,the mechanism and logic of leverage ratio supervision on the performance of commercial banks' comprehensive operations are divided into three ways.They are:the leverage ratio supervision will form a capital constraint,the commercial bank's capital replenishment pressure will increase,and the leverage ratio will inhibit the high risk management to make commercial banks.Derivatives business income,pressure,leverage rate supervision to improve business stability to help commercial banks gradually transform the business model.In terms of quantitative analysis,the 18 commercial banks in the sample meet the requirements of leverage ratio supervision,and the lever rate is on an upward trend.However,the average level of leverage of the three types of commercial banks is the highest among state-owned commercial banks,followed by national commercial banks.City commercial banks are the lowest,and the latter two are lower than the average leverage ratio of state-owned commercial banks by about 2%.The article constructs a four-in-one comprehensive performance evaluation index for commercial banks that combines profitability,robustness,liquidity,and sustainability,and uses the entropy-weighted method to evaluate the level of business performance.It concludes:the absolute value level,the comprehensiveness of state-owned commercial banks The highest level of operating performance was followed by the nationwide commercial banks and the lowest in commercial cities.In terms of relative value,the overall operating performance levels of China's three types of commercial banks were on an upward trend,with state-owned commercial banks having the fastest growth rate and national commercial banks being the second largest.City commercial banks are the lowest,and the growth rate of the latter two is basically the same and relatively flat.In empirical research,in a full sample panel regression empirical study,the study concludes that at a 1%level of significance,the increase in leverage level can promote the comprehensive improvement of commercial banks,which can be seen in financial regulatory authorities on commercial banks.To supervise the leverage ratio and promote it to increase the level of leverage,it can ultimately promote the comprehensive performance level of commercial banks.In the empirical research of the regression panel of classification samples,it is concluded that whether it is a state-owned commercial bank or a non-state-owned commercial bank,its leverage ratio and business The bank's overall operating performance has a positive relationship,but the overall operating performance of the two companies differs in their sensitivity to leverage ratios.In view of the qualitative deduction,quantitative analysis and empirical research of the article,it is suggested that in the supervision of leverage ratio,we must both prudently implement the supervision of leverage ratio and must adopt differentiated supervision measures.