The Influence Of The Capital Structure Of Commercial Banks On Their Liquidity Creation Under The Background Of Interest Rate Marketization

At present,China's commercial banks are in the economic background of interest rate marketization.It is more realistic to study various problems of commercial banks in a certain context.The liquidity creation of commercial banks has a certain impact on both banks and the real economy.The impact of capital structure on liquidity creation has always been a concern.After summarizing the research of scholars at home and abroad,this paper establishes three models.Study the relationship between interest rate marketization and liquidity creation,the relationship between commercial bank capital structure and liquidity creation,and the relationship between capital structure and liquidity creation after joining the interest rate marketization background.In addition,commercial banks are divided into state-owned commercial banks,joint-stock commercial banks,city commercial banks and credit cooperatives.Then return to various types of banks.Based on this,the paper draws the following conclusions.First,interest rate liberalization has a positive effect on the liquidity creation of commercial banks.This kind of promotion is the strongest among state-owned banks,and the weakest among city commercial banks and credit unions.It can be seen that state-owned commercial banks are better able to seize opportunities and create liquidity in the context of interest rate marketization.Second,without the background of interest rate liberalization,considering the capital structure alone,the capital structure of Chinese commercial banks has a negative effect on liquidity creation.In addition,the capital structure of state-owned banks has little impact on liquidity creation,and the regression coefficient is not significant.The other two types of commercial bank capital structure have a negative effect on liquidity creation.Third,under the economic background of interest rate marketization,the capital structure of Chinese commercial banks has a negative promotion effect on liquidity creation.In addition,the capital structure of state-owned banks has little impact on liquidity creation,and the regression coefficient is not significant.The other two types of commercial bank capital structure have a negative effect on liquidity creation.