An Empirical Study On The Factors Influencing The Performance Of Listed Commercial Banks In China

As an important component of the financial industry,listed commercial banks play an irreplaceable role in maintaining the country~'s financial stability.In recent years,China's listed banks have encountered certain challenges in their operations:the interest rate marketiazation reforms have basically been completed,deposit-loan interest margins have shrunk;the admission of foreign banks and private banks has broken the monopoly position of listed commercial banks;the development of the Internet economy further accelerated disintermediation.From the perspective of listed commercial banks,higher non-performing loan ration,diseconomies of scale,and higher operating costs have constrained the further development of commercial banks.How the listed commercial banks conform to the current situation and change its business development strategy is worth in-depth study.The first chapter of this article focuses on the research result of domestic and foreign scholars.The second chapter discusses related theories,guiding the direction of the selection of variables in the fourth chapter.The third chapter analyzes the operation status of 16 A-share listed commercial banks in China,and explores the relationship between variables intuitively.The fourth chapter uses the Eviews8 software to test the data to verify the availability of the data.Finally,the F-test and Hausman test select fixed-effect model for regression.The empirical analysis result shows that:form the internal factors,there is insignificant positive correlation between capital adequacy ratio and the operation performance of listed commercial banks;higher non-performance loan ratio,over-expansion of asset scale,low capital utilization,and high operation cost are significantly constraining the operating performance of listed commercial banks.The operating costs incurred by non-interest business and the great volatility of their returns limit the profitability of listed banks.From an external perspective,there are positive correlation between market share and supply of money to business performance,the former has a significant role in promoting;the higher inflation inhibits the credit ability of list banks.In the sixth chapter,according to the regression result,the article proposes targeted recommendations.