Commercial Bank’s Business Diversification Ownership Attribute And Economic Performance Research

In recently years, along with China’s economy has been further reformed, financial innovation, especially the Internet Finance’s appearing, which makes our country’s Commercial Bank faces fiercely competition. The traditional Banking business hasn’t been the main way of its profits. More and more Banks begin to pay close attention to Non-traditional Bank business development and also pay more attention to the combination Non-traditional Bank business with traditional Bank business. Through this kind of developmental model that will improve Bank competition and economic performance.In particular, the Commercial Bank’s diversified business model against traditional Bank business model is not only a kind of innovation but also a kind of shock. Along with further diversification, the economic performance is the most closely watched indicators in the Banking sector. It is also a measure of its profitability as one of the important influencing indicators. The article introduces income and net interest margin as indicators to measure economic performance. What is the effect of Bank business diversification on economic performance, specialists hold on different views. Some people think that diversification may have positive effect, but the other people think that diversification may have negative effect.Based on diversification to the economic performance, we carry on an empirical analysis. In the part of empirical analysis, through establishing panel data model, I will make an empirical analysis on Stated-Owned Commercial Bank and Non-Stated-Owned Commercial Bank’s diversification towards income and net interest margin. On this basis, I will make an analysis on the trend and direction of China’s Bank innovation.In the end, combined with the empirical results, I will provide some suggestions on Commercial Bank’s development and hope it will make a reference to its development.