Research On The Unbalanced Develoment Of China's Commercial Banks

The economy of China, especially the financial industry, has developed fast since the reform and opening up. However, because of several of factors, the east, middle, and west region of China developed imbalance evidently. The imbalance of the development made the demand and supply of financial resources become gradually different on directional distribution, and caused the big differences and unbalance on regional development of China's financial industry. Especially for the past few years, the commercial bank industry of China developed unbalanced, whether the amount of commercial bank or the structure of it presents obviously reginoally different.Firstly, this article analyses the unbalanced development on China's commercial banks from on the macro-scale level.On the one hand, it conducts comparative analysis on the development of China's regional commercial banks with factor analysis in multivariate statistics and comprehensive analysis on development of commercial bank on different echelons; on the other hand, it starts from the ownership structure of China's commercial bank and conducts comparative analysis about the unbalanced development of the state-owned Banks, the joint-stock Banks and city commercial Banks. What its results of analysis show that there exists obvious regional development gap of China's commercial banks, namely China's commercial bank appear serious unbalanced development.Secondly, theoretically,it analyzes the factors to affect regional commercial banks unbalanced development .The analysis suggests a few factors that contribute to the unbalanced financial development in China,including regional economy development, macropolicy, geographic factors, financial policy, average credit records,inter-region cooperation.Thirdly, the article explores relationships between regional economy development and development of regional commercial banks with the method of canonical correlation, and then compares the results with results of cluster analysis in the third section. The outcomes express that most provinces whose commercial banks develop in the first and second echelon have high development on economy, and the development of commercial banks and regional economy promote mutually;most provinces whose commercial banks develop in the third and forth echelon have relatively high development, but the development of regional commercial banks lag behind the development of regional economy;most provinces whose commercial banks develop in the fifth and sixth echelon not only have unprogressive economy development, but also the development of commercial banks is lower than one of other regions in China.Finally, combing the present reality of development of China's economy, it proposes policy and suggestion to promote coordinated development of our commercial banks and regional economy.