Correlation Study On Ownership Structure, Income Structure And The Competitiveness Of City Commercial Banks

Bank play more and more important role in social economic system with the development of the market economy. And the Ningxia Hui Autonomous Region to create Silk Road Economic Belt as a strategic fulcrum, to integrating the Silk Road strategies and promoting economic rapid development. With the rapid development of economy, the scale of the financial industry in Ningxia is also growing. City Commercial Banks serves the small enterprises and urban residents, and the position is for local market. City Commercial Banks push the economic development. This thesis regards Bank of Ningxia and Shizuishan Bank as the research object, using the principal component factor analysis model, with three representative City Commercial Banks in five northwestern provinces, to analyze the competitiveness of the City Commercial Banks. Then create a regression model to analyze the two factors which are ownership structure and income structure to impact on the competitiveness of City Commercial Banks in less developed areas. Form the analysis can draw a conclusion; there is a positive correlation between the competitiveness of the City Commercial Banks and two factors. It’s in order to understand the gap of two Banks, and then puts forward three advices which are deepen bank system reform, optimize equity structure, developing intermediary business to solve the problems in the development of the City Commercial Banks of Ningxia.