| In this paper, on the basis of16listed commercial Banks, the impact factors of listed commercial bank financial innovation in China.Since joining the WTO, China’s commercial Banks not only face the competition of domestic commercial Banks, but also suffered from foreign Banks market rob.To be adapted to market economy, commercial Banks can obtain the development and progress, to improve the market share is constantly excavate potential, explore new markets and customers, actively to carry on the financial innovation, to enhance competitiveness as a whole.This paper on the innovation theory, the research status of financial innovation and motivation of financial innovation three parts to carry on the literature study and finishing.Preliminary understanding the financial innovation.Scholars both at home and abroad are the motivation of financial innovation of the paper, but few scholars from the microcosmic comparison study of the specific impact factor, and targeted puts forward countermeasures and Suggestions, in order to hit the core of financial innovation, commercial Banks to promote financial innovation.From the microscopic Angle to study the effect of impact factors can directly determine the specific variables, so as to improve the speed of financial innovation, plays an important role on the development of commercial Banks.First of all, from each scholar’s achievement in literature research study found that financial innovation in the motivation of the initial indicators group.Through research and reflection to determine the indicators needed for this paper factor and method.Through the listed commercial bank annual report, financial yearbook, statistical yearbook data, such as the index factor data of16listed commercial Banks to arrange, and correlation analysis.First SPSS19.0index factor to the standardization, in order to different properties of different unit index factor correlation comparison.Standardization, and then use software to two different categories of index factor correlation analysis and Pearson correlation coefficient, respectively.Finally, will arrange to obtain three groups of output, looking for overlap index factor, which determine the commercial bank profit under the premise of the ascent, promote the commercial bank financial innovation influence factors are:number of ATM teller machines, urban per capita disposable income, per capita net income of rural residentCommon in view of the impact factor of government agencies, as well as commercial Banks, first proposed the idea of three levels:in view of the impact factor of government institutions and commercial Banks, first proposed the idea of three levels:(1) The society level①Solve the problem of farmers, strengthening rural:attaches great importance to agriculture, rural areas and farmers problems, is not only beneficial to national development, also can increase the per capita net income of rural residents, and improve the commercial bank financial innovation.②To provide employment opportunities, minimum allowance:put forward to solve the gap between rich and poor is the key to solve the basic unit of the residents, and it can improve the enthusiasm of commercial bank financial innovation.(2)The Bank leve①Lincrease the self-service, reduce unnecessary costs:commercial Banks to reduce unnecessary under the condition of human capital, research and development of new technology, motivate staff actively develop new markets, to think of new products.Not only can increase the bank’s profit, also can promote the commercial bank financial innovation.②Financing product development, shorten the formalities to deal with time:Banks should according to the characteristics of different industries, the development of products, and appropriate simplify formalities. It can not only help Banks to develop new markets, can really solve the problem, the firm’s truly serve the enterprise.(3)The Corporate level——encourage financial disintermediation, build system of the relevant specification:financial disintermediation degree directly influences the profit of commercial Banks, it has received the attention of the commercial Banks at present, has had the part of the market of commercial Banks, the appropriate encourage financial disintermediation can promote the commercial bank financial innovation. |
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