Performance Of Listed Commercial Bank Of Factors And Empirical Study

At this stage, most enterprises in China still rely on the credit of banks. Business is a social "cell",so banks play a important role in the modern economy and society. With the reform and gradually opening of China'bank sector,the competition fierce in the banking industry has been kicked off,commercial banks are facing competition from well-known foreign banks.Therefore,studying the factors affecting the performance of listed commercial banks, comparing the listed state-owned commercial banks and joint-stock commercial banks listed in the performance and finding the gap between the two, analyzing the causes, contribute to the scientific assessment of performance of listed commercial banks,increase level of performance,and enhancing the competitiveness of commercial banks.The special note is:I read a lot of literature and find that there is a lot of difference between state-owned commercial banks listed and listed joint-stock commercial banks in the operation and management, so this took for empirical research to distinguish between the two, separate study the factors which affect performance of the two.The paper first describes the classical theory of Bank Performance:Market structure, conduct and performance relationship hypothesis,the measure of performance indicators and literature review, and then look back at the history of listed commercial banks and the business performance of the status quo; then analyze and summarize the performance factors of listed commercial bank of China. The content of Chapter 5 is empirical analyzing the factors affecting performance of Listed Commercial Banks:the several factors representing the banking market share, the bank's various financial indicators as explanatory variables, the bank's return on equity ROE as the dependent variable, regression analysis on these common factor versus the banks ROE, calculate the correlation between them,first analyze the listed state-owned commercial banks and then on the listed joint-stock commercial banks.From the empirical results can be seen that what are the factors affecting performance of the two types of listed commercial banks, what is the main difference, combined with the reality analyze the reasons for that,come to a conclusion:what are factors which have a significant impact on the ROE (positive and negative effects). What are the factors which have no significant effect on the ROE.Based on the conclusions, four-point proposals are put forward in the last part of the paper, focusing on corporate governance,risk management,financial innovation and capital management to enhance the performance of the listed commercial banks in China.