Domestic Commercial Banks Market Performance Research

Financial services sector is located at the core position in the modern economy. Commercial banks are the most important micro-subject which is indirect financing dominated between the enterprise group in the Chinese financial industries. Efficient operation of commercial banks is not only support the shortcut to run financial intermediation system, also is mobilize savings and provide adequate financial support for economic development of basic tools. People generally think that level of banking performance not only directly affect the operation of their own health and development or not, also to a large extent determine the efficiency of the overall macroeconomic operation. This article from the Bank starting with micro-efficiency analysis of factors affecting the banking industry performance through compared with foreign banks that cause backwardness of Chinese Bank industry performance and propose appropriate countermeasures. This is to improve the core competitiveness and capital allocation efficiency of Chinese banks, or to more effectively promote high-speed and healthy economic growth, has important practical significance.Commercial banking industry is in line with the general definition of the same time, and with a reasonable degree of specificity. Since the main commercial banks in the market is still holding state-owned commercial banks, joint-stock commercial banks, various types of deposits in foreign banks and financial institutions in China currently, this article researches on commercial banking as the object, examining the industry's market performance status and determinants of attempt to allocation of resources from the market efficiency, scale efficiency and technological progress, industrial structure, level of study in three areas of market performance level of commercial banking. One of the commercial banking industry as a segment in the financial sector industry, it services are currency, its product of the so-called financial products also tend to be invisible. In view of the complexity theory and direct measurement of banking market performance of data difficult to obtain, and efficiency analysis of the structure hypothesis provides a framework, you can look at banking market on the micro-efficiency analysis of performance problems into banks.Selected 14 leading commercial banks in the country data samples in this article, both from the efficiency of resource allocation efficiency, size structure and current technological progress inspected the market performance of China's commercial banks, then analyses the profitability indicators, cost and risk credit indicators. We concluded that (1) There remained the character of Chinese commercial banks, the possessor is not the efficiency of the market share leader; (2) the spread income remains the main source of income for commercial banks; (3) Currently listed banks do not reflect the best performance and maximum efficiency, but in China's stock markets did not play on the governance of the listed commercial banks; (4) foreign investment companies play a certain role in the market performances improving of China's commercial banks, But there is no significant change in the performance of Chinese commercial banks; (5) Operational risk indicators in the process of Chinese commercial banks enough attention.Comprehensive comparison between domestic and foreign banks after market performance, revealed the cause of the generation gap:(1) there exists a clear monopoly in China's commercial banking market, and the efficiency of resource allocation is not high; (2) the single-property rights causes the weak market performance; (3) China's the banking regulatory standards are not high, and the innovation is limited; 1 monopoly structure of China's banking industry clear, inefficient allocation of resources; 2 unclear property rights market performance is not satisfactory; 3 of China's banking regulatory standards are not high, limited innovation capacity; (4) the shortage of talent constrained the improvement of the banking market performance.4 personnel lack of constraints on improving the performance of the banking market. Finally for the reasons put forward recommendations to improve market performance of China's commercial banks, that is, changing the market structure, relax the market access, breaking executive monopoly; promoting the reform of property right, optimize the structure of property rights, implementation of property right diversification; Speeding up information construction, strengthen regulatory standard; improving innovation ability to change the business strategy, open up the performance of new channels; cultivating and absorbing talents, consolidate the foundation of talent.This article may be in the following innovations:1,Introducing efficiency structure hypothesis, which for analysis of micro-Foundation provides commercial banking industry market performance and analytical framework, this study on the commercial banking industry performance problems, in part on the investigation into banking efficiency.2,Collect the latest information, on the 14 major commercial banks in China and 4 foreign banks a quantitative analysis and empirical study of market performance, examining the level of market performance of commercial banks in China and reveal the impact factor.