Analysis On The Route Choice Of PDS Bank’s Characteristic Management

At present,China’s economic development has entered a new normal state,the reform of the financial market is rapidly advancing,and gradually into the deep water zone.Under this background,small and medium-sized city commercial banks have accelerated the transformation and upgrading,to seek through the characteristics of the business competition to win the market,but all the features take management mode can effectively improve their business performance,need in-depth study.Taking PDS bank as the research object,the comprehensive analysis of PDS bank faced political and economic basis,social culture and external environment,in-depth analysis of the four aspects of PDS bank’s strengthsweaknesses opportunities and threats,to construct the SWOT analysis matrix,respectively,and SO strategy,WO strategy ST strategy and WT strategy,provides a strategy to support the further development strategy for PDS bank determined.Then,introduces the main features of the current PDS city commercial banks take the mode of operation,the achievements and existing problems are analyzed,and from the four aspects of profitability,liquidity,security and development ability of the line before and after the operating characteristics of the performance are compared.On this basis,select the 30 city commercial banks in assets of 50 billion yuan to 100 billion yuan between related data as samples for analysis,using the factor analysis method to establish the management performance model,get the same type of city commercial banks from 2010 to 2016 the performance of the overall score,the PDS performance of banks in 2011 to 2015 years to achieve a rapid growth,and in the forefront of the sample bank rankings.This paper use regression analysis method to get the characteristics of the business impact on the path of city commercial bank’s operating performance:1.Cross regional operation has positive impact on the performance of city commercial banks,which is beneficial to enhance the performance of city commercial banks.2.Innovative service channels and urban commercial banks operating performance also showed a positive correlation.3.In the aspect of ownership structure,the state-owned equity attribute of the largest shareholder of city commercial banks is negatively related to the bank’s operating performance.4.The higher shareholding ratio of the largest shareholder has a positive correlation with the improvement of city commercial banks’ operating performance.5.The investment business has a significant positive correlation with the performance of city commercial banks.According to the above conclusions and puts forward some countermeasures and suggestions on management path choice and the choice of PDS bank next characteristics:1.Further clarify the market positioning.2.Adhere to cross regional development.3.Raise the level of information technology.4.Constantly improve the ownership structure and governance structure.5.Strive to expand new business.