The Market Performance Of Harbin Bank

The banking industry is an important support system for the development of China’s economy, has made a significant contribution to boosting the role of commercial bank in China’s modernization. The convening of the eighteen session of the third plenary session has opened up broad prospects for the development of city commercial banks, the bank of Harbin as a commercial bank has benefited. This paper selects Harbin bank as the research object, in the first place, after reading a large number of scholars and senior classic literature to find related research in the banking market performance, the research object is mainly oriented to the big state-owned commercial bank or number of large and medium-sized commercial bank, researching on market performance of the concrete is having analysis and comparison on the ranking of the selected samples, and through the comprehensive evaluation to find out a market performance advantage of commercial banks. This paper is a research on the market performance of single commercial banks and immature background, studying the market performance of Harbin bank alone, as the goal and innovation of this research; In the second place, the Harbin bank originates from the city commercial bank. In the recent years, it has got significant achievements, branches gradually all over the country, successfully listed in Hongkong, gradually its brand to the international market. However, with the strengthen opening of the financial markets, banking the competition, more advantages of large domestic commercial banks and foreign banks in capital scale and market recognition, posing challenges for the bank of Harbin. According to the relevant theory of the commercial bank and the actual operation, find the market performance is an important breakthrough to enhance competitiveness. Therefore, the theme of this paper is the research of the market performance for the bank of Harbin.Based on theory of industrial organization system as the cornerstone of the theory of SCP paradigm, the traditional sense after the evolution and history for many years practical experience, gradually developed into the emerging SCP paradigm theory, combined with the important content of industrial structure theory and industrial development theory, providing the theory support system suitable for the market performance of Harbin bank. Based on the related theory and the study of scholars of literature, from the three aspects of SCP theory about market structure, market conduct and market performance to make a more complete analysis on the current situation of the market performance for the bank of Harbin. On this basis, found the following problems of the market performance of Harbin bank are: market share, lower ability of asset size does not have the superiority, market innovation behavior needs to be improved, risk control should be optimized, the intermediate business efforts need to be deepened and the status of human resources have to be improved in six aspects.According to the research goal and the analysis of the current situation, constructing the market performance evaluation index system of Harbin bank, respectively from the following eight aspects as the coverage of the index system, including: market share, asset size, market innovation, profitability, liquidity, risk control, intermediate business income and human resources,selected 17 specific quantifiable indicators. Then in 2007-2013 years as an optional data of Harbin bank respectively set up interval, stepwise regression model of rate of return on total assets of ROA and rate of return on net assets of ROE, as the market performance empirical analysis for the bank of Harbin.The empirical results show that, significant variables liquidity ratio, earnings per share, the RMB loan to deposit ratio, intermediate business income and the rate of bad loans for the model, which is the key factors affecting the market performance in Harbin bank.In addition, based on the model of domestic banks-Industrial and Commercial Bank of China market performance experiences, having to give full play to the customer scale advantages, vigorously expand sales channels, to the comprehensive development of the direction of the bank of Harbin bank of enlightenment. Combined with the characteristics of SCP and the current economic situation of Harbin bank, the market performance is put forward to strengthen the service of the real economy, business transformation of the road, the reform and development of key areas, grasp the risk management development goals.Finally, according to the problem of Harbin bank, put forward the concrete countermeasures to perfect its market performance optimization level, hoping to provide some reference suggestions to the development of the bank of Harbin in the future.