Dissertation > Excellent graduate degree dissertation topics show

The Research on the Impacts of Business Diversification on the Performance of Commercial Banks

Author: RenXiaoYing
Tutor: WangZuJie; RenSenChun
School: Anhui University of Finance
Course: Finance
Keywords: commercial banks business diversification bank performance panel data model
CLC: F832.33
Type: Master's thesis
Year: 2014
Downloads: 47
Quote: 0
Read: Download Dissertation

Abstract


In recent years, because of the global wave of financial integration, the modern commercial banks present the diversified development trend. The effect of business diversification on performance has become one of the focuses of academic circles. This paper firstly mainly describes the influencing mechanism of business diversification on the performance of commercial banks with scope economies, market power and other theories and analyzes the influencing factors of business diversification for banks in theoretically. Secondly, the paper which based on net interest income, fees and commissions and other variables, use HDI index measures the business diversification level of the commercial banks. At the same time, it uses the return of total assets to measure the bank performance. Then the paper analysis the diversification trends on different type of banks and the statistical description between business diversification and the performance of banks. Statistical analysis shows that business diversification of all samples is low, which is due to the strict financial regulation in domestic and the unreasonable business structure. Thirdly, the article takes the financial data which from2006to2012year of16commercial banks as samples and uses panel data model to make empirical research. The results show that business diversification has a positive impact on the performance of all the sample banks in China, but the coefficient of HDI variable is low. Meanwhile, business diversification in both state-owned banks and joint-stock banks has a positive effect on their performance, but the coefficient of HDI variable in joint-stock banks is lower than state-holding banks’. The reasons of the low coefficient in joint-stock banks are higher business cost and larger earnings volatility. Moreover, the empirical results show that banks with high levels in business diversification have a greater positive effect on performance. Finally, for the conclusion of this study and analysis, this paper which is from policy-makers and the banks two aspects, puts forward to improve the regulatory to promote the development of business diversification, optimize the business structure to advance the development of differentiation, strengthen the cost management of diversified business of banks and improve the ability of risk control.These proposals can provide some ideas for the ways to implement business diversification and to improve the bank performance.

Related Dissertations

  1. Research on the Regional Difference and Influence Factors of China’s Carbon Emissions,X502
  2. The Research on the Legal Issues of Green-Credit Policy,D922.68;F832.4
  3. JS Bank Operation Risk Management Research,F832.2
  4. The Market Positioning Research of China’s City Commercial Banks,F832.33
  5. Industrial and Commercial Bank of China branch of Yancheng Pavilion Lake Research personal customer relationship management,F832.2
  6. Commercial banks' risk management competency model optimization,F832.2;F224
  7. Study on the Relationship between Industrial Structure Upgrading and Convergence Tendency of Financial Services Industry in the Central Region of China,F832.2
  8. A Study on Risk-oriented Internal Audit Control Evaluation System of Commercial Banks in China,F239.45
  9. China’s Commercial Bank’s International Competitiveness Empirical Research,F224
  10. The Relationship of Ownership Structure and Firm Performance,F224
  11. The Effect and Influencing Factors of M & A Performance: an Research on Chinese Listed Companies of Energy Plate,F426.2;F224
  12. Market Structure and Bank Management,F832.2
  13. The Analysis on the Competitive Environment of State-owned Commercial Banksin Shandong Province,F832.33
  14. Study on Trans-regional Development of City Commercial Banks in China,F832.33
  15. Research of Guangfa Bevelopment Bank Retail Business Development Strategy,F832.2
  16. Research on Real Options Models and Applications in China,F832.5
  17. Qingdao Bank comparative analysis of core competitiveness,F224
  18. Research on Impact of Foreign Strategic Shareholders to Operating Efficiency of Commercial Banks,F832.2
  19. Empirical Study of the Relationship between the Institutional Investor Behavior and Stock Price,F832.51;F224
  20. Study in Stress Testing of Liquidity Risk of Commercial Banks in China,F832.2
  21. Studies on Determinants of Non-performing Loans Ratio of Chinese Commercial Banks,F832.4

CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Financial organizations, banks > Commercial banks ( specialized banks )
© 2012 www.DissertationTopic.Net  Mobile