Empirical Research On The Relationship Among Business Structure,Asset And Performance Of Listed Commercial Banks In China

With the impact of external environment,such as the deepening of financial liberalization,marketization of interest rate,financial disintermediation,and the rise of the Internet,the volume and price of deposit and loan business has been narrowed,and the traditional business model of banks is facing greater challenges.Therefore,the expansion of new profit growth points has become the focus of theoretical and practical community.The impact of diversification on bank performance has been widely concerned by the academic community.There are many existing foreign research results,but there is still no consensus has been reached.However,domestic research started late,and there are some problems in the method of data acquisition and classification of banking business.Firstly,the weak interest income may lead to a high proportion of non-interest income.Secondly,the use of non-interest income as a numerator reduces the accuracy of the calculation results.In addition,the existing research is limited to the discuss of the income effect of interest or non-interest business,and does not explore the impact of business components on business performance.Therefore,this paper uses the adjusted Herfindahl index to measure the innovation of business and the diversification of business structure,and uses the fixed effect model to empirically analyze its impact on bank performance.Second,this paper adds the virtual variable of asset to study its regulation.Finally,this paper examines the impact of the various components of the business structure on business performance.The results show that the degree of diversification of banking business plays a significant role in promoting the performance of banks.The larger the bank size,the greater the effect of this kind of promotion.In addition,the emerging intermediary business has the greatest promotion effect on bank performance.