Dissertation
Dissertation > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Financial organizations, banks > Commercial banks ( specialized banks )

City Commertial Bank Sustainable Development Research

Author HuangFan
Tutor RenSenChun
School Anhui University of Finance
Course Finance
Keywords city commercial bank Sustainable development the principalcomponent analysis
CLC F832.33
Type Master's thesis
Year 2012
Downloads 63
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Since the city commercial bank was established, it develops rapidly. At present, it has about8%of assets of the whole banking industry. Its profit ability strengthens continuously. But in its development process, the city commercial bank faces problems to be solved, like the fuzziness of the market fixed position, the weakness of the risk control ability, more government intervention, unreasonable of corporate governance structure, seriousness of Two polarized and so on. These problems greatly influence the sustainable development of the city commercial bank, so, how to realize the sustainable development of the city commercial Banks becomes an important issue.First of all, this paper based on the theoretical analysis, it puts forward the city commercial bank’s main judgments basis from the sides of the financial sustainable, business sustainable and risk control and then sets up the measure index system. Then, according to city commercial bank’s development present situation, it uses statistical description index to analyze the sustainable development. The results show that city commercial Banks in China sustainable development ability is not good. Then, the paper uses the principal component to further analyses the four state-owned commercial Banks, two national share-holding commercial Banks and15city commercial bank with eight indexes of the empirical analysis. The research founds that the sustainable development of the state-owned commercial bank is the best, the national joint stock commercial Banks take the second place, city commercial bank’s the most weak, city commercial Banks’sustainable development of the two levels of differentiation is obvious. Finally, this paper gives policy suggestions, form the way of establishing a comprehensive risk management mechanism, enriching the types of middle market business, implement differentiation, find competition market orientation and set up the good enterprise culture puts forward way to improve city commercial bank’s ability of sustainable development.

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