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Factor analysis of Chinese commercial bank middle business development and influence

Author: BaiYongZhi
Tutor: HuHanJun
School: Fudan University
Course: Finance
Keywords: Commercial banks intermediate business non-interest income influencefactors
CLC: F832.2
Type: Master's thesis
Year: 2012
Downloads: 1978
Quote: 0
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Abstract


With the stable developments of economics of China, various businesses in commercial banks develop rapidly. The Chinese capital markets grow out of nothing, and the financing tools vary such as short term financing bonds. With the fierce competition of the same industry, the credit businesses of commercial banks face to the unprecedented challenge and the net interest margin loan decrease gradually. The Central Bank and the China Banking Regulatory Commission require more and more strictly to the capital adequacy ratio. Therefore, commercial banks increase the development of the intermediate businesses, so the ratio of non-interest income to gross income about the intermediate businesses increases year by year. To research the development and the influence factors of the intermediate businesses of the commercial banks in China has a strong theoretical and practical significance. This paper analyzes and researches into the development and the influence factors of the commercial banks’intermediate businesses in China. The research results could provide reference to the intermediate businesses for commercial banks.This paper adopts the empirical research method to analyze and study the influence factors of the10listed commercial banks’intermediate businesses in China setting the economic model. The samples are obtained from the quarterly data from the4th quarter of2006to the3rd quarter of2011. The dependent variable is defined with the ratio of the intermediate businesses income to gross income. There are3independent variables. They are the logarithm of total assets, the proportion of the deposit to the total assets, the ROE and the capital adequacy ratio. These variables build the panel data model to simulate.The simulation results show that the ratio of the intermediate businesses income to gross income of the commercial banks have significant positive correlation with the total assets, and have significant negative correlation with the proportion of the deposit to the total assets, the ROE and the capital adequacy ratio. Four banks have the advantage of scale, which are the Industrial and Commercial Bank of China, the China Construction Bank, the Bank of China and the Bank of Communications. The total number of intermediate business incomes and the ratio of the intermediate businesses income to gross income of the four banks are significantly better than other commercial banks. The commercial banks in China must take full attention to the affects about the indexes negatively correlated to the intermediate business income. It’s important to continuously enrich the intermediate business products and services through the business innovation and search the competitive advantage about differentiation. At the same time, it’s also necessary to strictly control and reduce the cost of intermediate businesses, enhance the scientific price level, in order to improve the ratio of the intermediate businesses income to gross income.In the development of the intermediate business, commercial banks should constantly review and analyze the influence factors of the development of the intermediate businesses, and establish and promote the risk prevention, supervision and treatment mechanism of the intermediate business. Commercial banks also should constantly keep the innovative products and services and make good use of advanced electronic technology to vigorously promote the development of the intermediate businesses.Commercial banks should fully understand the characteristics of the China’s economy developments. It’s necessary to the commercial banks to grasp the direction of economy development and timely adjust the focus of businesses. The intermediate business should be as the focus of business to develop. Commercial banks should make full use of the Basel Accord III, the regulatory policy indicators in China and the opportunities of the financial market development to develop intermediate businesses and learn from the experience of foreign banks. These initiatives would lay a solid foundation for the marketization of interest rate and exchange rate reform and win the initiative in the competition.The innovation of this paper is that the capital adequacy ratio as the research object is firstly proposed to elucidate how the regulatory index affects the intermediate businesses of commercial banks.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Banking system and business
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