A Study On The Fragility Of China’s Commecial Bank Based On Micro Perspective

The banking system is the most important part of the financial system,and commercial banks is also important for banking system,so steady and healthy development of commercial bank system has a crucial role in keep the financial system’s stabilization and the steady growth of national economy. With the development of shadow banking system,the local goverment financing platform and interest rate liberation, the stability of banking system has been changed.Based on the study of literature from all over the world,the thesis summarize the infulential factors of commercial bank from two aspect,and put forward the special infulential factors of China’s commercial bank,include the insufficent of the property relations of China’s commercial bank and the supervision system and China’s credit system,the lowly investment ability,the risk of local govement financing platform.The method of this thesis is entropy evaluation method. It will make comparative study of the fragility of four type of commercial banks in micro perspective. The result show that,liquidity indicator make a big difference on the joint-stock commercial bank,profitability indicator and capital indication indicator have effect on the fragility of city commercial bank and rural commercial bank.The fragility of four types of commercial banks are decling from2007to2012except the influence of the financial crisis of2009,but it’s go up and the come down for city commercial bank. And the rangeability of fragility is different among four types of commercial banks.In the end,on account of the result of analysis,the thesis give some proposed measure to reduce the fragility of China’s commercial bank,include improving the foundation of China commercial bank’s commpany management structure,strengthening the investment control ability,accelerating the establishmeng of supervision system,preventing the risk of local goverment financing platform,slowing the speed of interest rate liberalization and improving the foundation of China’s credit system.