Study On Capital Structure And Growth Of Rural Commercial Banks In Anhui Province

At present,although there is a lot of research on capital structure and growth in the academic community,however,there are few and immature researches on the capital structure,growth and the relationship between banks and other special enterprises.Because of the special capital structure of banking industry,the correlation between capital structure and growth is worth studying.In addition,in recent years,the continuous entry of foreign-funded banks,the state-owned large-scale banks downshift the center of gravity,Internet finance projects,all brought challenges to rural commercial banks.The rural commercial banks are difficult to restrict because of the geographical regions,the high conditions of cross-regional development of business such as deposit and loan,the ability of utilizing science and technology is obviously weaker than the state-owned banks and large private banks,which results in their limited growth and development.Therefore,the rural commercial banks should pay more attention to the internal capital structure and other operational aspects to achieve sustainable development in the regional or even cross-regional markets.Therefore,it is of great significance to study the capital structure and growth of rural commercial banks in order to improve their competitiveness.Taking this as the starting point,this paper selects the representative rural commercial banks in Anhui Province,which the author is familiar with,as the research object,and studies their capital structure,growth and the development between them,it is hoped to provide feasible suggestions for the development of agricultural gold industry in Anhui Province.This paper first reviews the domestic and foreign scholars on the enterprise capital Structure Theory,growth theory and the relationship between the two related theories.Then I choose four indexes which are often used in academic circles to analyze the capital structure of Anhui Agricultural and Commercial Bank.This paper argues that the debt ratio of rural commercial banks in Anhui Province is high and has been on the rise since the reform;the Capital Adequacy Ratio Basically meets the regulatory requirements;the debt capital is relatively single but has been on the mend;and the source of equity capital needs to be expanded.This paper analyzes the growth characteristics of Anhui Agricultural Bank of Commerce from the Bank scale,operating performance,growth potential,financial ecology and other indicators,and draws the conclusion that the performance of each agricultural bank is different for the factors affecting the growth of the banking industry,but on the whole Anhui Province agricultural and commercial bank reform since the growth of good.Combining the description and analysis of the present situation of capital structure and growth,this paper takes the growth coefficient as the dependent variable,taking the ratio of assets to liabilities,the ratio of Capital adequacy ratio deposits to liabilities and the ratio of surplus reserve to owners' equity as the independent variables,the Logarithm of assets is selected as the control variable,cONSTRUCT MULTIPLE LINEAR regression equation and make empirical analysis.It is found that the ratio of assets to liabilities,the ratio of Capital adequacy ratio,inter-bank deposits and other financial institutions' deposits to liabilities,and the ratio of surplus reserve to owners' equity are positively related to their growth.Finally,according to the capital structure to the growth of the impact of the situation,put forward to optimize the development of rural commercial banks in Anhui Province.