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1、重庆大学硕士学位论文英文摘要ABSTRACTSincethefinancialcrisisin2008,theriskmanagementincommercialbanksbecomesmoreandmoreimportant,furthermore,withtheopenoffinancialmarket,thecruelcompetitioninbanking,improvingtheperformanceofcommercialbanksalsobecomesthekeypointincommercialbanks’mana
2、gement.Foralongtime,lotsofscholarsdoanalysisaboutfactorsinfluencingriskorbanks’performance.butconsideringtheopportunitiesandchallengesourcommercialbanksarefacing,andinordertomeettheopportunitiesandchallengesbetter,thepaperarguesthatwhenoperatingandmanagingthebanks,wesh
3、ouldbothconsidertheriskandtheperformance.Thus,basedonthetwoaspectsofcapitalstructureandoperationalefficiency,thepaperseparatelyanalysistheinfluencetothestabilityandperformanceofcommercialbanks.Thepaperadoptsthesamplesof16commercialbanksinChinaovertheperiod2000to2012and
4、appliesthestabilityevaluationsysteminordertoweighhowisbanks’stability.Thenbuildthefixedeffectmodelofstability-capitalstructureandperformancemodelandstability-operationalefficiencyandperformancemodel.Empiricalresultsfindthatthefirstmodelshowsthattheperformanceratio,anda
5、ssetstructureratiohavenegativecorrelationwiththestabilityofbanks,whilethecorecapitaladequacyratiohasthenegativecorrelationwithit.Whichmeansifweremaintheperformanceandtheratioofliabilityunchanged,wecanimprovethebanks’stabilitydegreebyoptimizingthecapitalstructure.Whilet
6、hesecondmodelshowsthatthefirstorderdifferenceoftechnicalefficiencywhichstandsforthemarginaltechnicalefficiency,andtheelasticityoftotalassetswhichexpressestheassetssizeofcommercialbanks,thethreevariablesallhavepositiverelationshipswiththestabilityofcommercialbanks.Thati
7、stosayifundertheconditionofremainingthebanks’operatingperformance,wecanimprovethestabilityofbanksbyraisingthebanks’comprehensiveefficiencyandmarginaltechnicalefficiency.Accordingtotheanalysisofliteratureandempiricalconclusions,thepaperputsforwardthefollowingsuggestions
8、aimingtothecommercialbanks’management:(1)Strengtheningthetechnologicalreformationofcommercialbanksratherthantheinstit
