| With the deepening of the financial system, market-oriented interest rate reform further promotion and market competition, the banking business mainly rely on balance-sheet, the main source of income is the interest rate banks income, but in recent years booming development of internet finance affected the development of banking, commercial banks must see the challenges and seize the opportunity, through the transformation of development mode, adjust and optimize the structure, deepen reform to accelerate the transition to seek new profit growth point, to achieve healthy sustainable development. Expand their business scope, carry out intermediary,improve business models, increase sources of income, we find a single source of income is clearly not applicable for the future development of the banking, this paper illustrate diversificated bank income structure whether can improve business performance of banks.The article consists of five parts: the first chapter introduces the research background, purpose and significance of this research, and the research content, methods, structure and main contributions of this paper. The second chapter the mechanism of banks income structure affecting business performance. In this paper, using the angle of industrial organization theoryelaborates to describe positive and negative effect of the income structure of banks affect business performance. The third chapter the present situation of the income structure of commercial banks in China, firstly introduces the development of the commercial bank of our country, followed by a detailed description of the current situation of the development of commercial bank interest income and non-interest income, non-interest income composition analysis. The fourth chapter using super efficiency DEA model to evaluate the operating performance of commercial banks. detailed describe super efficiency DEA model, select the appropriate input variables and output variables. My paper applies input and output data of commercial banks by the EMS1.3 software, thus obtaining the technical efficiency, pure technical efficiency and scale efficiency value. The fifth chapter empirical analysis on influence of divisificated income structure affecting business performance, firstly selected variables including appropriate explanatory variables and explained variables,control variables and descriptive statistical analysis on the related variables, and inorder to regression analysis have to apply Eviews 7.2 on the panel data of 16 listed commercial banks from 2006 to 2013, and analysis the results of the empirical tests. The sixth chapter summary the above empirical results, and put forward relevant suggestions and deficiency.In this paper, the basic conclusion through empirical analysis:if the degree of centralization in general banking income is higher, the value of the pure technical efficiency is higher, diversified revenue structure does not promote pure technical efficiency, on the contrary, diversified revenue structure will lead to a substantial decline in the value of pure technical efficiency; the increasing of bank assets will increase bank technical efficiency, scale efficiency, pure technical efficiency, but the margin of increase is not obvious; increasing the cost to income ratio also helps banks pure technical efficiency increase;the degree of income diversification in joint-stock commercial banks is higher, the pure technical efficiency is higher;diversified revenue of state-owned commercial banks and city commercial banks structure does not improve the pure technical efficiency; diversified revenue structure of city commercial banks had a positive correlation affect on scale efficiency of banks, the increasing of state-owned bank assets will decrease bank technical efficiency, the increasing of city commercial bank assets will increase bank technical efficiency,the increasing of city commercial bank assets will decrease scale efficiency. |
PDF Full Text Request