The Dynamic Changes Of The Structure Of Commercial Bank Liabilities And The Effects On Bank Performance

Liabilities business is the main source of bank funds, is the foundation of carrying outthe asset business and intermediary business and other business. The size and structure ofcommercial Banks liabilities decide the asset scale and orientation, even to determine the fateof the bank itself. So researching the commercial Banks liabilities structure on the influenceof bank’s performance and exploring the reasonable structure of commercial Banks liabilitieshas the extremely vital significance.With the constant improvement of the financial markets, the advancement of marketingof interest rate, financial innovation products emerge in endlessly, financial industrycompetition intensifies, due to the homogeneity of operation, the status of the commercialbanks in the financial industry began to decline. Combined with a variety of non-bankfinancial institutions more attractive new products launched, lead to the serious phenomenonof capital shunt and it brings great challenges to the liabilities business of commercial Banks.Therefore, commercial Banks need to solve the problem of liabilities product simplification,homogeneity, constantly adjust the structure of its liabilities, so as to improve the operatingperformance of commercial Banks.In this thesis, many theorists draw results and perspectives through a combination oftheoretical and empirical elaborated the impact of the bank’s structure of liabilities on theperformance. First, analysis the relationship between the liabilities structure and performanceof commercial bank, at the same time about the present situation of our country commercialbank liabilities structure and operating performance are analyzed in comparison. Then selectthe14listed commercial Banks’ data from2006to2013besides Everbright Bank andAgricultural Bank to empirical analysis. In the empirical analysis part, first of all, from theaspects of safety, profitability, liquidity and developmental select indicators, use the factoranalysis to get the bank’s comprehensive performance indexes, and then build panel datamodel for regression analysis. The results show that there is a significant nonlinear invertedu-shaped relationship between the overall level of debt and bank performance; Shot-termliabilities have significant positive effect on bank performance, while long-term liabilitieshave the opposite effect; Passive liabilities, there is significant positive correlation with bankperformance, and the active liability is significant negative effects on bank performance.Finally, combining with the characteristics of China’s banking industry and the empiricalanalysis, suggest the following four aspects: strengthen internal system development andconstruction, control liabilities scale and structure; innovate more deposits types and substitute, educe the dependence on the deposits; Develop diversified innovative products,increase the active liability proportion; the optimization of the external environment of bank.