English
From the above analysis, it can be concluded that the capital structure of listed banks has an impact on their operating performance, and there is a relationship between them. The capital structure of listed banks determines their means of financing, which determines their financing costs and financing risks. However, the financing cost and financing risk restrict each other, and it is impossible to increase or decrease at the same time. The business goal of banks is the same as that of enterprises: profit maximization. For banks, the cost of absorbing deposits is low. Therefore, banks will be happy to absorb more deposits, and excessive deposits will increase the leverage ratio of banks. Of course, the leverage ratio cannot continue to rise. A higher degree of leverage will bring certain risks, leading to bankruptcy or decline in its own value. The existence of regulatory authorities will produce regulatory costs. The more funds absorbed, the stronger the regulatory authorities will supervise them, and the regulatory costs will rise. The rise of supervision cost will increase the total cost of banks, which will affect the efficiency of banks. Theoretically, bank capital structure affects business performance. In order to verify the relationship between them in reality, this paper selects the actual data of 8 listed joint-stock banks in China as the basis of empirical analysis.Japanese language
以上の分析から、上場銀行の資本構造は運用効率に影響を与え、両者の関係があると結論付けられる。上場銀行の資本構造は、資金調達コストと金融リスクを決定する資金調達の手段を決定します。しかし、資金調達コストや金融リスクは相反し、同時に増減することはできない。銀行のビジネス目標は、企業の利益目標：利益最大化です。銀行にとって、預金を吸収するコストは低い。したがって、銀行はより多くの預金を吸収して満足しており、過度の預金は銀行のレバレッジ比を増加させます。もちろん、レバレッジ比率は上昇し続けることはできません。より高いレベルのレバレッジは一定のリスクをもたらすでしょう。そして、破産またはそれ自身の価値の低下に至ります。規制当局の存在が規制費用を生み出す。より多くの資金が吸収され、規制当局がそれらを監督し、規制コストが上昇する。監督コストの上昇は銀行の総コストを増加させ、銀行の効率に影響を与える。理論的には、銀行資本構造はビジネスパフォーマンスに影響を与えます。現実との関係を検証するため，実証的分析の基礎として，中国8上場株の実績データを選定した。
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