Empirical Study On The Influencing Factors Of China's Commercial Bank Deposit Structure

In analyzing the debt structure of commercial banks in China,deposits are still the largest proportion of liabilities and are an important source for commercial banks.At present,the non-interest income still just accounts for a small proportion of the whole income of commercial banks in China,and the major income of commercial banks still depends on the traditional deposit and loan business.However,with the continuous advancement of China's interest rate liberalization process and the intensifying deposit competition brought up by the development of Internet finance,the deposit management of commercial banks faces many challenges.In this context,China's commercial banks urgently need to improve the deposit competitiveness by optimizing deposit business.To optimize the development of commercial bank deposit business,thorough understanding of the current status of China's commercial banks' deposit structure and analyzing the influencing factors of deposit structure are necessary.First of all,this paper analyzes the deposit customer structure and term structure's characteristics and trends of 13 listed commercial banks in China from 2007 to 2017.Second,through the empirical study of the panel data,this paper provides an empirical analysis of factors which may affect the deposit structure of commercial banks.Finally,based on relevant influencing factors,recommendations are made for the improvement of commercial bank deposit business and regulatory policies.