Research On The Influence Of Asset Structure On The Growth Of Commercial Banks

With the deepening of China's reform and opening up,the financial market has been gradually deregulated,commercial Banks have been developing rapidly,and the scale of assets has been expanding.As Banks are special enterprises dealing in currency,high debt is a prominent feature of commercial Banks,and the low proportion of self-owned capital determines that the banking sector generally faces high risks.However,the economic globalization,Internet and other technological innovations have exerted a huge impact on the stability of the banking sector,forcing the transformation of Banks.Asset structure is the basis of healthy growth of Banks.High-quality and diversified asset ratio can not only increase Banks' earnings,but also enhance commercial Banks' ability to resist risks,which is of great significance to promote sustainable development of the banking industry.Therefore,adjusting the asset structure of commercial Banks has become the best choice for transformation and upgrading.This paper firstly sorts out and summarizes relevant literature at home and abroad,expounds the research background and significance,and then conducts detailed research on the article from three aspects: First,analyzes on the relevant theories of assets structure of commercial Banks,commercial Banks and the assets structure and defining the growth,on the basis of the assets of commercial Banks listed in the balance sheet,cash deposit,deposit central bank money,deposit peers,lending to trade money into cash assets,tradable financial assets,creditor's rights investment and other creditor's rights investment,other equity instruments as investment assets,loans and advances as loan asset class,the growth of profitability,safety and liquidity in three aspects;Second,select 25 listed commercial Banks in China from 2014 to 2018 as the research object to analyze the status quo,analysis of25 listed first total assets of commercial Banks,then Banks are divided into state-owned Banks and joint-stock Banks,for their own cash,loans,investment comparative analysis of the present situation and problems of assets at the same time,choose nine measures bank growth index to analyze the status quo,to the effects of different kinds of assets on Banks' growth mechanism analysis;Third,according to the measure,growth evaluation system using factor analysis method to build,to calculate the bank's growth composite scores,at the same time,the growth iscomposite scores as explained variable,cash,loans,investment assets accounted for as explanatory variables,the GDP growth rate and assets as control variables,by panel data model,the state-owned joint-stock Banks and points sample regression,analysis of state-owned joint-stock Banks and asset structure on the impact of their growth.According to the test results,the paper adopts the fixed effect model for analysis,and the empirical results show that increasing the proportion of cash assets will inhibit the growth of state-owned Banks and joint-stock Banks.Investment assets are inversely proportional to the growth of state-owned Banks,on the contrary,in direct proportion to joint-stock Banks;Loan assets play an important role in promoting the development of state-owned and joint-stock Banks.Finally,based on the empirical results,the paper suggests that Banks should start from the improvement of asset allocation,strengthen cash asset management,allocate investment assets reasonably,increase quality loans appropriately,and finally improve the growth of Banks to achieve sustainable development.