Analysis Of The Impact Of Industry Loan Structure On The Performance Of China's Commercial Banks

The safe operation of commercial banks is an inevitable prerequisite for the sound and efficient development of the financial industry.However,the safe operation of commercial banks needs to rely on a variety of indicators to assess,such as asset quality,profitability indicators,loan conditions and a series of indicators to evaluate the safe operation of commercial banks.With the comprehensive deepening of market-oriented reforms,China's economic and financial innovation has accelerated and dissipation has accelerated.Commercial banks play an important role in economic development.Liabilities business,asset business and intermediary business are the three most basic businesses currently existing in commercial banks.The asset business mainly refers to the loan business.It can be known from the bank's operating data in recent years that the loan business is already the bank's main source of income.Therefore,the study of the loan is of great significance to the bank's operating performance.According to the relevant concepts of loans,it can be understood that the current loan structure can be mainly divided into five types,of which the industry loan is one of the forms of loan structure.In recent years,as the government is very concerned about the content of loan structure adjustment,it has issued loans on the loan.The relevant policies of the structure,each loan industry has different characteristics,and the banks are pursuing profitability to ignore risks and other related reasons,the industry loans are concentrated to large enterprises,resulting in uneven distribution of industry loans.The continued deterioration of the unreasonable industry loan will cause the capital crisis of SMEs.At the same time,the banking industry is also likely to form a residual loan crisis,which will cause economic losses.Therefore,the rationality of the commercial lending business bank plays an important role.Taking into account the availability of data and operability,the bank's net profit was selected as the explanatory variable,and the ratio of various industry loans to the total amount of public loans and industry concentration was taken as the explanatory variable.A panel data regression model was established and would affect banks.The related indicators of business performance are factored into dimensionality reduction processing as a control variable in panel data regression.After unit root test,cointegration test and Hausman test,an individual fixed effect panel data model was finally established.Through the establishment of the model,it first summarizes the situation of the entire listed commercial bank loan,and the conclusion is that there are differences in the influence of the ratio of different industry loans on the operating performance of China's listed commercial banks,Next,commercial banks will be classified according to their different natures,focusing on joint-stock commercial banks and city commercial banks.The impact of loan structure in different industries on the operating performance of these two types of commercial banks will be studied.Finally,the industry loan structure can be concluded.The effects of different types of commercial banks on their operating profits are also different.